 Systematically can spend down principal but at least guarantees that the income will never stop to give you peace of mind So the first asset test is okay. Are you behind the eight ball? Do you need more income than you can get from traditional investments and interest and dividends? But there's another part of it and that is you want to be conservative, you know when you're conservative, you know, we just talked about why? Bank CDs are you know really secure and