 And by the time you're 74, it's going to be worth $12 million. So you're going to be okay. You're going to be all right. And that's if you add nothing to it. Let me ask you this, Dave. So if my friend came to me and said, hey, I've been self-managing this mutual fund over the last five years. And I've made $700,000. If I look at all the data about self-managed funds, they don't ever work long term. Right.