 It's very rare that people come to the office and they say, I'm a conservative investor. I don't like a lot of risk. And they're actually taking that conservative nature. So it really is about having that plan in place, making sure that you're evaluating your goals on a regular basis. There's not a magic number for how many times you should look at it. Just like there's no magic number for retirement. It's one of those things you want to do regularly.