 People say, well, if the market goes down 50% over, let's say, two years, how long will it take for the market to go back up 50%? Well, if the market goes down 50% in two years and then back up 50% in the next two years, did you get your money back? The answer is no. Because if you had $100,000 that went down over two years, down to $50,000 because it dropped 50% over two years, and then it went up 50% over the next two years, well, you only have $75,000.