 Risk versus reward. If I took the risk and I did this, maybe I get more reward. But if I increase my money by another 20%, am I really going to change my lifestyle in retirement? Probably not. But what if it lost 50%? How would that affect me? And I'm sure on the scale of magnitude, the negative side would affect you a lot worse than the positive side would help you. So, Tim, hopefully you can find a way to get over this fear of FOMO.