 Number two, right now you're doing something called rear view investing. You're looking at a very small window of time. You're looking at the last 12 years of stock market performance. And number three, you've grown the nest egg. Now you're close to needing it. How much of that do you want to keep? How much of that do you want to keep now that you've grown it? Can you afford to lose a lot at this stage in your life?