 What numbers do you use? We typically use a 3% rate for inflation. I think that's a fair and reasonable number. But the important thing is when we run our analysis and quote-unquote diagnostics on someone's retirement plan, you've got to take into consideration what expenses are fixed and what expenses are variable. Obviously, if someone's locked into a mortgage and you know it's going to be paid off in 15 years, we've got to run principal and interest at a fixed rate