 And then you have the withdrawal phase when you get older. But somewhere in the middle, you've got accumulation and withdrawing phases going at the same time. So that's the delicate balance right there. See, that's really where the balance is, where the stock market will mess you up if you're not careful. It's that the accumulation phase turns into a deceleration phase that starts dropping, and you're trying to be doing a withdrawal phase or withdrawal time, and you're out of sync.