 Luckily, it's all come back. But when you're going through those downward directions, it's very stressful. You have no idea what the next day or that day is going to do. And there's a lot of emotion involved in that. And I think once people go through that as they're working, you don't ever want to go through it when you're in retirement. That's why I feel most people, when I ask that question, are similar because it's really about your...