 All right, so that's incredibly smart advice for those who have made a bit of money because of these record highs. Then you say, okay, lessons learned. Stock market is always volatile, so let's put it in something that's far more stable. Let's talk about real estate. Let's talk about tax deferment. And let's understand that despite these records, whatever the Wall Street Journal says, it doesn't mean that suddenly housing is affordable, correct? Correct.