 top where some believe that that's where we're at right now. And then they'll say, okay, well, now you start to switch to more defensive type investments. If you have a strategy like that and you know what to put it in, that's better than just keeping it in the stock market the whole time. And then if the market crashes 50%, you lose half. Right. And 2000 with the tech bubble, a lot of people got their hat off.