 Well, I'm with you on that. And, again, it's not going to happen overnight. It's going to take some time. But, Art, what advice do you give to people, especially with their investments? A lot of people are saying, oh, we need to pull our money out of the investments. What advice do you give folks? Well, if you're nervous about it, go ahead and pull them out. But it's a long-term process. It takes time to make money in the markets.