 you would have missed out on a 90% rate of return. In the last five years in the S&P 500, your money has doubled in the last five years. And so why do we not think it's going to do that in the next five? Well, I mean, it goes up, it goes down. You know, in 22, the market was down overall. In 23, it was up 27%. It's up 18% already this year.