 And the reality is when we see people try to tie markets, they get out of markets because they think whatever's going to happen, and maybe markets do go down in the short term, and then you inevitably think they're going to go down more, and you don't do anything, and then markets hit a bottom, come ripping back, and then you get back in the market at a much higher price than where you got out, and you cost yourself a ton of returns.