 So the people that are ultra high risk clients who are comfortable losing 40, 50, 60%, those people are probably not going to be the best fit for our firm. So if you're listening to the show saying, you know what, I don't know where my paycheck's going to come from in retirement. You know what, I'm not a huge risk taker. I understand I need to be in the market, but maybe I'm not the biggest risk taker. I'm not sure about what tax rates are going to do in