text:  Well, when you have a down year and the market is down 20% and you take out the 4%, you haven't taken out 20%. You've taken out 24% at that point. In addition, whenever you're looking at building a retirement income plan, Prashant and I always talk about income out, income in, right? Money in, money out. So when you look at that, right, you have to give yourself a raise every single year in retirement or you're not keeping up with inflation, right?