 You know, I get clients who will come in and say, well, my friend at work said we should do this. Or my neighbor did this and made a lot of money. And I get that, but at the same time, you don't know their situation. Meaning your friend at work, your neighbor, maybe they live within their means. Maybe they have no debt. Maybe they've got a lot of other investments so they can take different risks that you can't.