 Terry, I think you're right. That's the recommendation we make constantly. At age 60, if we start with a baseline of rule 100s, we take your age of 60 minus the 100, that leaves us a net number of 40, meaning 40-ish percent of your portfolio, having it in the market, okay, meaning 40% is at risk of taking a nosedive in a recession or a depression or any adjustments in the economy. And so at your age, you are 100% accurate.