 And if you're the kind of person where you're jumping in, jumping out, jumping in, jumping out, and you're making these knee-jerk reactions, it's never going to work out good for you. There's actually a study by a company by the name of Dalbar. And what they do is they look at how, say, for example, the S&P 500 did. And then they look at if you were in the S&P for this many days, what your rate of return would have been. And if you're only in for a lesser period of time, what your rate of return would have been.