 or I need more in the future. This portfolio can't provide that more. I need to take more risk. That you need to figure out first, and then you need to figure out how much risk you're comfortable taking, and then you build that asset allocation based on that. You don't try to react to markets. You don't try to predict markets. You don't try to place it in the right place at the right time. You just build that proper diversification, and then you rebalance it every year. It's hard to do, but once you do it, it's simple. Tom and Don are talking.