 keep in mind, having a strategy that has lifetime income payouts, and we're going to talk about that on today's show, one of which that has a lifetime payout of double digits, that's a withdrawal rate of double digits, okay, you know, beyond the 4% rule, or even the 8% rule that, you know, some financial entertainer out there is talking about, I think I even heard him say something about a 12% withdrawal rate, he's really going off the deep end, but