 Because someone told them, hey, now's the time. Take the money out. There's about to be a correction. And then the money sat in a settlement account making 0%. And then the market came back, as it always does. And they lost out on all of that growth. And it's heartbreaking to see. And we get calls like that where they say, Dave, I haven't invested or I pulled my money out. Now what do I do? I'm broke because I didn't stay on the roller coaster. And that was the last time we saw a major correction.