 And the reason for not panicking is the money that you have earmarked for income and legacy, that really shouldn't be exposed to the market. As a matter of fact, most of you guys, I know because I've talked to so many of you, you don't have your money earmarked for income in the market, and you don't have your money earmarked for legacy in the market. You have that money sitting on the sidelines now. You have it in the bank.