 And what I mean by that, I'm not just talking to you, Joni, but everybody out there is because what happens with us is we make maybe the wrong decisions at the wrong time. And there's been studies done where certain investments such as mutual funds had a certain amount of performance over years or even the market itself. And then the average investor didn't do nearly as well. And the reason for that is, is they make emotional decisions. They see the market go down or I better get out, I'm gonna lose. And they sell when it's down and then they invest when the things are doing well and they invest high.