 And what I've seen, as you mentioned, I've seen just about everything there is. What I've seen is people wait way too long. So they get out at the lows and then they make the market prove to them that it's going back in the right direction. So they missed the comeback many, many times. So they get burned and they just don't know which end is up. And my friend, that's what investing is all about. And that's why you want to deal with someone like me who can help you put yourself in a financial position where