 He makes calculated risk, which is what we talk about here when we're doing planning. We're making calculated risk. Exactly. And he's done his homework, so he plans out what he's going to do, and he does his homework before he does his investing. And then he buys and holds. And some years he does very, very well, and other years he maybe does not do so well. But that's what planning does. So planning allows you to kind of lay out what it is that you want to do. What are your objectives? What are you trying to get to? And