 Yeah, Vivian, it's really simple to explain dollar-cost averaging. Just think of this, okay? Do you have a 401k or a 403b or some kind of company-sponsored plan? If you do, you're dollar-cost averaging. What that means is that you're investing on a regular basis. So obviously, if you're in a 401k, at least twice a month you have money going into that. So you're not buying the market at the same price individually.