 Yeah, it's more of a structured spend-down versus an unstructured spend-down, so it can work. But I find a lot of people, that's not the case, or maybe just the people I talk with, they've saved enough. But the real issue is they want to have some money in the stock market. They want to have some money in more secure things like bonds and preferreds that we talk about every week on the show. But then they want to have some of their money insured. They're like, you know, let me just put a little bit in that insured bucket. Yeah.