 That's why the safe haven becomes so popular. If we had one of those years and you had your money in the safe haven, you wouldn't lose a nickel. So your ability to withdraw money from your retirement plan, from your IRA, remains strong. And it remains high because your IRA didn't get cut in half. Now, the most recent one, 2022, we took a 20% hit. Okay, fine. We took a 20% hit.