People within a few years on either side of the line that you're discussing are the ones at great, greatest risk. Especially if they are planning on a more aggressive withdrawal rate. You hear so many pople whil especially before the down turn,You start hearing people like that, i don't want to hold bonds. Their return is so bad. They're not there. That's our return. And they have jobs. If the market stays down, well, and i go through my cash, i've got fixed income i can rely on. That's its job. But even when you're buying, you got o like, what? Shield your eye. No, i see it