 Market's going up, I'm putting all my money in, and I'm getting after it. Your plan should be dictating what you're doing and how you're doing it. Look, we do this stuff day in and day out, and one of the things that you want to do is you want to have a competent team behind you that's helping you make decisions as you come up to and then go through that retirement process, and that's what we do. We do planning. We write plans for people day in and day out, and then we help people manage their way through that process. The way you lose is to not act.