 Absolutely. So protecting your principal is the most important thing, really, when you're five years before retirement, five years into retirement. If you lose a lot of money there, then your old retirement plans have changed. And that's why a lot of people in 2008 could not retire or came back out of retirement. They were already retired for six months or a year, and they had to go back to work, find a job. And that was a problem because now they're older, they're hard to get a job, and they couldn't, you know,