 But you've also got to be looking ahead because you don't know what's ahead and you can't count on what other people are going to do. You generally know what you're going to do, but you can't count on what other people are going to do. So, Ralph, when we're building a retirement plan and we're building our financial life, we need to be focused on the end of the hood, which is that short term. We need to be looking at that windshield and looking long term to see what might be on the horizon and try to be in a situation where we can take advantage of that or protect ourself.