 having a volatile market where we see wild swings in the market, you know, just like we saw in 2023 where the first half of the year did well and then the stock market fell off 15, 18% and then it came back, you know, that's not a comforting feeling to have those wild swings when I'm two, three years out from retirement or when I just retired because I want to make sure that my money is as safe and secure as possible. And being in election year, it really kind of is unpredictable.