 if you're spending $50,000 a year before you burn through all of your principal and go through that process. And hopefully people are thinking to themselves, wow, how much do I spend each month? What are my utilities? What are my things? And we do that for you, Randy. The income tent builds what comes in, what goes out. And then we projected out 25 years at actually a more conservative rate, 5% returns, a little bit of inflation, some fun for spending and travel.