 The transition to me should be made earlier to an income first, growth second approach with your I need goals. So, you know, worse comes to worse, you're going to be okay. Your lifestyle's not going to go backward, right? But if you want to gamble on the difference between the I need and the I want, I guess that's okay. But for a lot of people, their I want goals are important to them. They say, I'm retiring because I want to do these things.