 Yeah, and I think what I see is simulations being ran. Maybe you've ran a simulation with your advisor to figure out when might I run out of money? What are the odds that I run out of money in 85 or 90, et cetera? What's money say? And then you start adjusting the investment strategy, put more in stocks, put more in bonds, put more in cash. You start manipulating the investment strategy to improve your odds, and then you completely ignore Social Security and taxes.