 They don't want to take all of it and just create guaranteed income for the rest of their life. Usually, most appealingly, the majority of our families go with a bucket type approach where we've assigned specific purposes for each one of those different layers of the income strategy. That also applies to the entire framework. This money is for liquidity. This money is for income for the next 12 months, the next 10 years. And then this is for the next 10 to 20 years. This is for the 20 plus year bucket.