 and just gone all in. You don't see a lot of people who do that, particularly in retirement. But the reality is markets are very, very high. And you have to ask yourself, at what point are we going to pull back? At what point does all of this spending become an issue? And even if the Fed does eventually cut rates at some point in time, how much of an effect is that going to have on markets? Because we're already so high. I mean, would it go higher?