 Yeah, I mean, it's a great question. And I think the bulk of the stress came, Paul, because all your eggs were in one basket. I'm like, you're not diversified when you were investing and still aren't with the Apple stock, right? The single stock way, it is going to be more volatile and it will be more stressful. And so when we look at investing in general, but specifically with retirements, it will be in more of a mutual fund aspect, which is 90 to 200 of those stock.