 portfolio theory, and one of the things buried in there was a phrase, the market always comes back, and advisors started using that phrase to calm their customers down, to calm, you know, talk them down off the ledge, to make them feel better about the plan that was put into place, and say, don't worry, it's okay, hang in there, the market comes back. Okay, that's all well and good. However, what happens if you get hit with a protracted bear market,