text:  looking at their statement, seeing that they lost money, and then going and complaining about it. So they said, you know, I don't want the headache. I don't want to listen to it. Just do the G fund, and you won't see the accounts go down. You won't come bellyaching to me. That's the wrong thing. It's not wise counsel. Having a disciplined investment strategy, no matter what the market's doing, that is absolutely a foundational habit for those that achieve financial success. Mike, the other thing, and I think you touched on it, is