 And I would encourage you at all times to expect that. I love that chart because it gives you some hope that just because the market might be down at some moment during the year and you're feeling like, okay, if this trend continues, my goals are so off track. I'm so done here. But as you said, the markets can move quickly. They can change direction rapidly. Going back to last year, for example, the stock market was down 10% at one point during the year.