 And you're down 5.25% from staying in the market. 20 days, you're down to 3.38%. Let's just take you out for a month. You're an emotional investor. You're all stressed out. You pull out. You miss 30 of the best days because you're in and out. You're down to 1.23%. And actually, if you miss 35 days, you're down to a quarter of a percent. Think about that.