 Some can have more aggressive investments and sleep totally fine and be okay with losses, and that's just they're a long-term investor. Other clients, that's just not how they are wired. So usually we kind of have to find that happy medium where, okay, we're investing this for the long term. We do have growth. There is some potential for loss, but just limiting that where full spouses feel comfortable. Reach out to Dave, Jonathan, and the team. The phone number, 800-700-8229. Dave, I'll let you take us home today.