 Obviously, we've topped above that. I think we struggled with this the last month or so, and we really wanted to capture in the outlook the idea that sometimes markets do stay overheated from a valuation perspective in the short term. When we started to put together the valuation data for 2025, we found we could justify a 6,100 number on the S&P at the end of next year. So it gave us a little bit of comfort longer term, even though we do have some short-term valuation concerns. I'm also curious about investor sentiment, how frothy that's been and how that's factored into your outlook.