 Because if you had a plan going into it, you're sitting there shooting for what the S&P 500 has done this year, and that becomes your benchmark when your benchmark should have been the destination and the rate that you needed to get to the destination that you said you wanted. Yeah, that gets to be one of the biggest challenges people do, especially when they're looking at it themselves. They get caught up in the greed behind it in years. They think they need to be taking more risk, more risk, more risk. Then you get slaughtered in whatever the situation. It always comes back.