 Then we have things like poor investment choices, investing either too conservatively. I see people basically move to cash, and they're so afraid of losing $1 that they fail to make $5. That can limit the growth. And then on the flip side of that, I've seen people just let it ride, right? And they're 100% all the way up through their 60s, 70s, 80s, and 90s in the stock market, and that can just –