 The reason is if you're chasing a specific rate of return, obviously the higher rate of return that you want, the more risk that you're going to take on. Well, you might not have the capacity for that risk, as we talked about earlier, just from a financial standpoint or from an emotional standpoint, or you might not have the risk tolerance for that to say, okay, I don't like the ups and downs of this much volatility in the market, and then I can't sleep at night at this particular point.