 And that's got to be done, like I say, 10 to 15 years before retirement. And you can't do that until you know how much income you're going to need and want, how much income your investments can generate. Because during retirement, you don't need to be buying products. And some people, unfortunately, do that. They look at, if lack of a better way to put it, they look at buying investments if choosing things off a Chinese menu. Well, I'll take, let's see, I'll take some lo mein. I'll take some kung pao chicken and all this stuff. And that's not really, that's not,