 Well, yeah, that's why we always look at our risk ratio. That's part of our readiness review with our clients, no matter what age they are. What's your risk tolerance? Where do we want your risk ratio to be today? Where do we want to be as you near retirement and you're on that horizon to retirement? And it's always going to be risky and it's about diversification. So do we want every penny that you've earned and saved for retirement to be in the market the day you retire? Absolutely not, because we know how risky that is. Yeah.