 You know, we don't want you to buy stocks that are paying 2% annualized dividends if your long-term goal is that you've got to grow your money and turn it into something so you can hit a target at a certain age that's going to require a certain amount of money because then that's just fear and probably the fact that you haven't educated yourself enough to know that you could have probably bought something that was going to produce a better return. So the best way around that is education.