 But if that's the case, then this market has been, volatility-wise, coming into a consequential election. It's been non-existent. And everybody thought that the world was going to come to an end, and it hasn't. Volatility is low. Interest rates might be coming lower. Earnings have been strong. I think from an investor standpoint, there's a bigger fear of a melt-up than a melt-down. And I think there's too many small investors that are on the sidelines. I think people have to look in the mirror now.