 let's say this is all doom and gloom. It doesn't happen this year or next year. Well, it will happen because at some point the market, it always crashes every several years that are good. Then there's a really bad year and you need to be insulated from those bad years. If you are close to retirement or already retired, you cannot afford to have a 20 or 30 or 40% loss because you will not be able to recover from that.