Since 1970 you never have seen multiple bad years in a row like the ones you're modeling. And that I can tell you is also true going back a hundred years. So to me this is just an example of how easy it is to misuse these calculators and get results that are not making any sense unless you're talking about nuclear wars or zombia problems. There's a zombie apocalypse is there something like that. Real wrath of God type stuff. Not going to do it wouldn't be prudent at this John sure.