 a couple of times over the last 20 years. So just be careful. I'm not saying you should do anything dramatic. All I'm saying is just be very careful. And this is the one thing I say a lot on the radio and I don't think anybody, it really hits home. But if you think about it and do that now, stocks and markets go down way faster than they go up. When stocks go down, it's crazy how fast they go down and it can erase years worth of performance. Just look at the bond market. It erased a decade worth of performance.