 Well, you have to have volatility in any kind of intelligent portfolio. I mean, the markets are there to help you if you know how to let the markets do that for you. Yeah, you can't just hide in the corner, right? We want to have monies in the market because that's where we're going to get our best long-term rates of return. But that only is going to be the certain percentage of your wealth that you can afford to let ride. Many people have to take a chunk of their dough to create income or safe money instruments.