 That's right. Then you have to essentially be able to take a home equity line of credit to pay for it, wait for the markets to come back, and then pay it off. But retirement's different. Retirement is different from all other goals. And that's what we talk about so much in the show, Sarah, is because it's about generating income. It's really the goal that's not lump sum. It's about generating enough renewable resource so you can live off your income and not have to touch your principal, at least until you're in your mid-80s, right? Because you don't want to worry about running out of money.