 And one thing that can certainly be expected is that unexpected things are going to happen in the market. And in the event that this happens and you have money in a black swan fund, it can actually make you money when the market is going down. Now, I want to be very careful here and help you realize this is not something that a lot of you need to be involved in. But it is an option that's out there if you are very pessimistic about the market.