 Maybe you need the money, maybe you don't. But at this point, it doesn't matter anymore. So you're taking income. And there's a right way and a wrong way to take income in retirement. So we want to make sure that that account is taking that 4%, let's say, which is about what the RMD is in that first year. It's taking it out of the interest and dividends that the account creates. If you just think of it loosely, if the account