 and know how to pick stocks and follow them, and that's great for them. But most people can't do that. That's why you have to have mutual funds or ETFs, which will help diversify your selections and make sure you don't just buy duds, because that does happen. Just because it looks great or you hear somebody talking about how wonderful this opportunity is, that doesn't mean it's going to pan out. That's why, yes, you'll put money into anything, but the question is always going to be how much. We want to be smart about that.