 We want you to do the right thing, putting your money in spread out between stocks, bonds, mutual funds, and annuities, and make sure you have that proper diversification between risk and safety. But there are some that want you to put all your money at risk. It doesn't make any sense as we get older to have all our money exposed to the market, which could basically rip the carpet from under your feet when you don't need it to happen. So, you know, it's –