 they tend to keep you in the market. They tend to say, don't get out, don't get out, don't get out. They don't call you up and go, I'll be scared! No, don't get out, don't get out, don't get out. Set it and forget it, set it and forget it. Time in the market is more than timing of the market. That's a great phrase, I love that phrase. And so all the data says, for that reason, if no other reason, a good broker in your corner, a good smart investor in your corner, makes you money.