 Whatever your cost of living is that you've come accustomed to, that's what you're going to want to live. And if you don't believe me, go ask your wife. No wife is going to let you live under a bridge just because you've gotten to be 65, 70 years of age. You're going to live poor. That's a ridiculous concept. So when you say you don't know what you need, you know what you need.