 and you're heading into retirement or coming up on it, you want to be diversified. You want to create income streams where when you're 40 or 50 years old, you don't think about that. You're just chucking money into the 401k or whatever retirement plan. If you're a business owner, you're trying to get the business up and growing. You don't care about risk. The market takes a dip. It bugs you a little bit, but you don't need the money. So, hey, that's in the future. Let it roll.