 There are ways to mitigate those risks and keeping them in the market where they are is not the way to do it. Keeping it all in lazy money in the sidelines on the banks, what I call your money being retired. Imagine if you roll a $100 bill and it's laying out there in a lounger and it's drinking a pina colada and wearing sunglasses. It's retired and you're not. You got to put your money to work for you. That's what the money on the sidelines is doing. It's just lazy money.