 Ralph, many people have the idea that you can time the market, and it's been said many times, don't try to time the market, but rather have time in the market. And the problem is that so many times we put money in the market, maybe we get exuberant and the market's running wild, and we put money in there, take a big crash, and then we're like, oh my gosh, what did I do? And then they become concerned. The problem with that approach is you have to pull that money out to live on, Ralph, and you never put money in the market that you're going to need to live on.