 Sure. The thing is, though, you generally can't get all of that in one particular product. That's why a portfolio typically has numerous products in it, different stocks, mutual funds, bonds, managed accounts, et cetera, so that we can try to have our overall goal met by using a variety of different products here. But if you don't have liquidity, you can't retire. If you don't have growth, what do you do about inflation? Of course, if you don't have safety, what do you do when the market has a downturn? So it's important to balance this out through a variety of products.