 When we're talking about the third bucket, that growth bucket, we're talking about wanting to just get growth. So when we're talking about choosing investments, here's one thing that I think a lot of investors will do, and it's a mistake. You'll read things, you'll speculate so much, you'll invest too much money in one thing, and you do not want your fear to get in here. Gold, I'm not sure where gold fits in any of these buckets.