 What do you think? Well, Dale, it depends on how close you are to retirement. I have no idea what your age is. If you're younger, then you want to take more risk. If you're getting closer to retirement, you want to be a little more conservative. And when I say more conservative, that's relative because I don't know how much risk you're taking now. So I have more questions than answers for you, I'm afraid. But please, please, please, let's you and I have a conversation.