 When you sat there and were down 16%, 18%. Because if you're retiring then, two things happened. One of the two things, either A, you didn't retire, or B, you retired and you weren't living the life you wanted to do. Truly, it's not your fault because you sit there and you tried. You don't want to jump in with both feet because you said, I didn't start saving enough money. Mark, I hear that story every day. Right.