 These are times where you just have to proceed with caution. You have to be very careful. And diversifying is one of the most important things you can do with your portfolio. Reduce your market risk. And I've stated this now for a number of, well, for several months on this show now, where this is the best time in over 40 years for annuities. It's the best time in over 40 years for dividend paying insurance policies. The reason behind it is very simple.