 of 2024 from good to bad. I mean, our firm's business is retirement planning and protection, so I constantly look over my shoulder from time to time what happens next. Now, I saw a picture recently on social media about the ocean, and if you looked from kind of far away, like the boardwalk, you can actually see a riptide in the oceans. And that's kind of what we do with the financial markets. We try to look out