 the day-to-day expenses are typically covered by the paycheck. And if Social Security is only covering roughly 40%, we need to come up with that delta, that gap, right, to get to where you need to be. And are risky assets such as the market the ideal solution for that? And many would argue no. It's designed to be a piece of the solution, perhaps a hedge for that dreaded I-word we're all dealing with right now, inflation.