 Well, Mark, we've all heard the two emotions that are involved in investing, fear and greed. We've all heard of that. And I've got to tell you, most people just don't understand that. They go, oh, yeah, yeah, I'll be fine. Don't worry about me. I've got my emotions in check. Baloney. Yeah, most of us don't. Once your money starts flip-flopping on you, people lose their head.