 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.