 And then they had no liability. They put all of the liability right back on that hardworking American. Now think about this, folks. You guys might be engineers. You could be doctors, lawyers, truck drivers, all of our listeners, whatever you do. But most of our listeners are not financial advisors. And most of our listeners are not stock market gurus. And in your 401k is two things, primarily stocks and bonds. Now, of course, yes, I know you guys have mutual funds and you have target date this and that.