 income plan and by the way if you have a written income plan from your financial advisor high five to you because that is rare it really is in this industry and it just boggles my mind but here at victory you have a written income plan for the rest of your life this is how much you're going to be pulling out and this is how long it's going to last you and it's going to last you for the rest of your life and we've mathematically proven that so then you don't have to stress out about that anymore and so that cop out of oh four percent if you and it used to be five percent not that long ago oh by the way