 When I think what's really interesting, so Dr. Pfau takes a very academic approach and he knows the numbers, right? The most efficient way to create the most growth and the most income out of your portfolio is to incorporate guaranteed income from an annuity inside of your mix and allocate the remaining of those assets to equities. Is that his favorite approach or the one that he actually personally subscribes to? It's not. He's actually went with more of a risk wrap approach from