 gee, do I want to retire on a lesser lifestyle and just pull back? For some people, the answer is yes. For others, it's more of a no. In fact, I have a client who did that. I could think of one person individually who said, I don't care, I'll pull back, have a lesser lifestyle, I want to retire today. And we're able to do that for her because she made the sacrifice and it is what it is. But for a lot of people, you might say, no, I don't want to really subject myself to that. So I'm willing to work longer. That's okay. Then you might have to roll the dice longer and take more risk.