 Yeah, I mean, I'd agree with all of those. I think some people will disagree with me on crypto, but that's just an opinion. It's just, for me, it's hard. To me, I think it's a little speculative. So we don't use crypto in our plans. But certainly the other things, you know, you need to understand your investments. You don't want to do things that are speculative. I think particularly in retirement, so...