 Don't take my word for it. I mean, I wouldn't take my word for it. That's like buying a car without test driving it. I would recommend that you get a report. You look at the report. You look at the history. You look at the historicals of these companies, of these asset classes, and what do they really look like. You look at what's really going on and what can you do to shore up and protect your future in your retirement. And it's not based on what everyone else says or what they're doing.