 The following is a commercial announcement. It's the Money Minute. I'm Joni Siani with Paul and Larry Welch, 93 Financial Group. And we've been talking this week about the average investor and some of the mistakes that we made. And you mentioned the fact that we can suffer when emotion outweighs logic. Well, that's like I said, the biggest risk to your portfolio can be yourself because emotions take over. And especially if you see the market going down and say, oh, I better sell before it keeps going down. Right. But what happens? You end up selling low. And then when the market rebounds, you end up reinvesting at a high.