 That's what you need in portfolio because you're right, Steve. You can't have 98% of your funds in a 401k, guys. You can't. I mean, you will get trashed if the market goes down. So be proactive. Give us a call. You can go to our website, RetiredTexasStyle.com. Even a quick 15-minute meeting. If you have a couple questions, you can get in touch with us, with me or Steve. It's right in the middle of the page there, Retired Texas Style. You can click on the link. You can give us a call.