 or pay a tuition payment for one of your kids in college. I'm talking about extra cash that you're shrugging and saying, well, I'm getting four and a half, 5%. I'm just leaving it there for now. The stock market has averaged about 10% a year for 100 years. It moves up and to the right over long periods of time. And so if you concede the idea that you'll be able to time up and down markets, when would be the best time strategically, like big picture, to allocate cash into more growth-oriented investments?