 But you've got already a fully valued market at 19 times. The VIX, again, already low. The election's coming up again August, September. And then you've got some big events historically that occur in October. So you've got a lot of factors, I think, coming together for a market looking for a reason to sell off. Again, I'm not trying to scare anybody, but I just think the natural course of action would be a look at your portfolio, especially in those retirement accounts.