 If we found a way to build in some guarantees around income for the rest of your life, and we've put that into a written plan, and it's not just there on paper and we can say, look, it's true because I wrote it down, but we have a plan that makes sense, that guards us against loss, that keeps our assets growing, keeping pace with inflation. If we can sustain a withdrawal rate of maybe 3% or 4%, well, we're well on our way then to having guaranteed lifetime income.