 about every seven or eight years. And losing 30 to 40% as you go into retirement is bad, but imagine losing 30 to 40% every seven to 10 years during your retirement. Well, if you're going out at age 60 or 62, that means you have the opportunity, I don't know if that's a good word or not, but the opportunity to participate in a 30 to 40% drop every seven to 10 years.