 We want you to have that money for the rest of your life. But then on the flip side of the coin, Amy, we don't want you to be a miser with your money and not enjoy the great retirement that you deserve. So it takes a balanced approach. That whole 4% withdrawal, oh, you could pull out 4% of your money. A lot of financial advisors out there, that's their knee-jerk reaction if you were to ask them, well, how much money should I be pulling out? And so instead of creating an actual