 that you and your advisor may have totally different expectations of what those words mean. So I'll give you an example. You say, Morgan, you come in to visit with us and you say you're a moderate investor. And I say, great, I'm going to put you into a moderate portfolio. Well, moderate portfolio in 2022 might have gone down 25%. And you come into me and you say, I told you I was moderate. Why did I lose 25%?