 I think at this point it's crazy. If you turn on the news, you hear what's happening. Anyway, I think a lot of people are upset about that and are very nervous. If you're really thinking about retirement this year or you're turning 65 and you're planning on, all right, I want to retire January 1st of 2025 or I want to retire in the next two or three years, you're so close to retirement that having a volatile market where we see wild swings in the market, just like we saw in 2023 where the first half of the year did well,