 So it takes a while to recover from that. The average is about four months to recover. Now, for the Great Recession, if you look back in 2008, that actually took four years. After the dot-com bust of 2000, that took 15 years. Obviously, clawing your way back from a significant market decline, Abe, is not something anyone wants to do in retirement. How do we stop that problem before it starts?