 So again, having a plan, doing all the things that we talk about here on the show is you can mitigate a lot of those exposures. And as you get closer and closer to retirement, obviously the big thing that you want to do, the number one thing that we do is you want to mitigate risk as you get closer and closer to retirement so you mitigate the probability that if there is some type of a big market event that you're not going to get sucked up into the middle of that.