 The end is near. An adjustment is coming. Be careful. When people get euphoric and they start saying things like, oh, the market will never go down again and all these kinds of things, and I'm starting to see some of those things. You start seeing some of these crazy recommendations. I'm seeing some people say this about the markets, real estate and stock markets. That's when you want to be most cautious, most concerned, most wary. Just a voice, trying to be a voice of reason and common sense here. Protect yourself.