 Tuck away the back of your mind that your spending is going to change over time. And so some of the things that you spend money on that are subject to inflation may go up or down throughout life. So remember that these projections for inflation are just that. They're projections. They do not reflect life, how it's actually going to go. Human life is not linear. And so if you're going to include inflation in your projections, which I think you should, what I think is important is to do the reviews periodically and adjust your inflation expectations as needed.