 Right. Absolutely. Because then you have the chickens to keep producing those eggs, which is extremely important, especially if you get into your later years, because we know you need to plan for 30 years of retirement or more. And if you get into those later years and maybe you do need to spend down a little bit of principal because of a health care issue, something like that. Now you actually have that money there to spend if that's something you need to do, as opposed to depleting it earlier on. That's really critical. Right.