 It's not if it happens, it's when it happens. We're going to have great years. We're going to have horrible years in markets. Most of the people that we work with are going to have 20, 30, sometimes 40 years of retirement. So much is going to happen over that period of time. And the implication just wasn't good. And he appreciated the analysis. But I think this happens a lot, Cheryl, when...