 And that first one is a bond strategy. So we could create a bond ladder to satisfy those income needs. We could put together a five-year bond ladder, a 10-year bond ladder, a 20-year bond ladder. And so we ran all of those different numbers. What's it look like? And first, Marshall, let's define a bond ladder. How does a bond ladder function? What does a bond ladder do? And why would someone want to leverage that as part of their retirement income strategy?