 Because someone told them, hey, now's the time. Take the money out. There's about to be a correction. And then the money sat in a settlement account making 0%. And then the market came back, as it always does. Like a roaring. And they lost out on all of that growth. And it's heartbreaking to see. And we get calls like that where they say, Dave, I haven't invested or I pulled my money out. Now what do I do? I'm broke because I didn't stay on the roller coaster. And that was the last time we saw a major correction in the market was 2008.