 some profit-taking, some rebalancing. But I think the question now becomes, if this is a concern of yours, what are you doing about it? Are you rebalancing? Have you rebalanced? Are you looking to maybe find a solution to what could be looked at as some people call a risk of that over-concentration in the S&P 500? Ben, in your opinion, what would be the best solution to the over-concentration in the S&P 500 for an investor? You want to diversify.