text:  You can choose to take the risk of your portfolio growing over time or choose to take the risk of the portfolio dropping over time, right? And every seven years, on average, like Ryan said, the market drops 30% to 40%. And do you have time for it to recoup and all those things? Because, I mean, we have that last decade of 2000, 2013. You made no money in the stock market. And if you were taking 3%, 4%, 5% withdrawals –