 So get on the calendar, 888-301-7526, and experience the difference with Skip and Cody and the team at Terra Firma Financial Advisory. All right, final question this week here we got is from Miss Vivian in Meredith, and she says, I have a coworker who's constantly talking about dollar cost averaging and reverse dollar cost averaging. I always nod as though I know what they're talking about, but I don't really have the faintest clue what these terms mean. So one of you guys want to explain this to Vivian?