 When you're dollar-cost averaging, the market might be higher or lower, and ultimately you're going to end up with a better deal long-term. Because you're doing that over time, over the course of the year. That's right. And that's the way we set up with all of our clients. Again, if you gave me that $8,000 two years ago, remember in 2022 before the market pulled back 30%? Well, on January 1, two years ago, the markets were at all-time highs. You could have given me your annual IRA rate.