 I would say that one of your opportunities to make sure that you're staying on the right track is as you get into your 50s, begin to find a way to strategically take some of the risk off the table. And now that doesn't have to mean something as boring as bonds, right? You can still lose money on bonds, but you may want to insulate yourself from market downturns depending on what your target retirement date is. If you've got more than a 10-year horizon, well,