 it makes a difference in our day-to-day lives and it shouldn't. And so if that's you, if you're seeing fluctuations in your portfolio and you don't know how are you supposed to adjust your lifestyle to account for those downturns, well, you shouldn't have to. And we can create a plan for you that protects you from that downside. That's going to give you a path forward where, yes, we're still going to seek earning potential. We know, again, we have to keep pace with inflation, but