 Well, there's this thing called risk and the value of the dollar and the risk that you associate to there. Because you're going to go up in your 401k. You're going to have times where you go down and lose money. And it's about that timing aspect. People think it's always peaches and roses. I hate to tell you this, folks. When you're 401k and you look at that or your TSP, how many times did you not look at your TSP in 2020 or your 401k? How many times did you not look at it in 2022?