 Yeah, exactly. If you're a young worker just starting out, 20s and 30s, you have a really long horizon. So financial advisors recommend a very high stock allocation, like around 90%, because you can weather those short-term ups and downs. And those target date funds, which a lot of people have their 401k and a target date fund, where the professional managers sort of automatically allocate your money behind the scenes, they tend to default around 90% for the younger workers.