 Yeah, it does make a lot of sense. And if I just think of the years that I'll spend saving up for retirement, our listeners out there who have spent decades saving up for retirement, you just don't want to haphazardly put this away. Or I think of myself, I'm approaching 40 years old, Coach, and I think of my dad who really got hit in 07, 08, 09. And I think of my grandparents who struggled in the 99 to 01 times. And even just what we've seen here in the past few years,