 people are pretty happy because they're like, hey, things are going up. But are you going to be happy to find out that the way things are going up, that you're actually going up 20% at a rate 20% less than what you should be or that your advisor has you positioned in a way that you're not even remotely getting all of the gains that you should be getting? So there's so many nuances. Or you're getting that 20% gain, but you're taking an obscene amount of risk to get it. Whereas you could take way less risk