 And so if you're concerned about any of this, then you should go to our website, riskfeestaxes.com, and we'll be happy to talk to you, schedule a 15-minute Zoom call for free to talk to you about what is the best way to protect yourself from risk, fees, and taxes. And we've been talking about market risk during this segment, and specifically, if you're within those five years, what can you do to protect yourself? And