Aaron: Have you heard of the concept of a minimum dignity floor as described in the retirement and IRA show? Hammer time! The basic premise is that any monies needed for basic food, utilities, transportation, housing, and health care should be principally protected. This strategy contains the implicit assumption that at some point in the investor's doe-dage they will no longer be willing or capable of managing their portfolio. I'm curious about your thoughts on this concept and how the risk parity style portfolio might be incorporated into a drawdown strategy with these time and risk-phased buckets.