What Are Your Thoughts on That?

There's still that delta there and it could go down. And yeah, you'd need to account for that. But I mean, even like the different insurance policy out there, they're not different below 4%. Right. So we can't think of this in one year chunks or recessions. There's going to be down cycles, just like there'sgoing to be up cycles. Think of this as a long term thing. Most people's retirement, hopefully is,. you know, a 20 plus year window that they get to enjoy.

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