 Well, it should be affecting your decision making is where you are in your life and what your goals are. And that should be 80 percent of every decision easily. So if you have a lump sum goal that you have a certain amount of money that's allocated toward, let's say, college education for children or grandchildren. And I know it's not a lump sum. That's four lump sums or at least hopefully four. With some kids, it's five lump sums. It could be six. That's right. But hopefully it's four lump sums. I consider that a lump sum goal.