 I will just say that the tenets of having a diversified portfolio, even if it doesn't give you the best returns in the short, almost always a diversified portfolio will not give you the best returns in the short run because there's always something doing better. And without a diversified portfolio, without having bonds in your portfolio, without having treasuries or cash on the sidelines, being down 10%, 15% if you're fully invested, I think that could be problematic.