 what that means is if we're planning to retire and 2022 is our target date, well, it made things a little bit more challenging because if you had crunched the numbers and identified how much you needed to retire and be able to safely withdraw from those funds without depleting the principle too much, well, if you had done that and then you compound your losses year one of retirement in 22, then you're already setting yourself up for a rocky road moving forward. And