 So people like to have 401ks or other market investments that they really can't change, we suggest that they do some gold and silver as kind of an insurance. Because typically when the stock market goes down, gold and silver go up and vice versa. So if you have a big stock market drop and you've got some gold and silver, that basically it helps keep things leveled out and gives you some insurance. So keeping a small amount of gold and silver, it offsets that market risk for people that are stuck with their money in the market.