 That's right. The time period of not being as concerned with the risk, being more motivated by reward, how much can I earn with an investment, never mind the downside, that's better suited for when you're middle-aged, working, you're earning money, and you're contributing to those retirement accounts. But when we're in that financial red zone, we're in our 50s, we're in our 60s, we're already retired and drawing an income from these assets. Those market fluctuations, they really hurt.