 investments like, well, it's either stocks or bonds. There are so many other ways to invest. And no, I'm not talking about annuities or listers. No, I don't like insurance products when it comes to retirement. Those are just great ways for people to get commissions. We don't do that. True fiduciaries don't sell people things where they get paid first. But there are tons of options out there. Things like you can make money when the market's up. Everybody knows that. Not everybody realizes you can make money when markets are falling.