 So a large percentage, just be patient and focus on the horizon and the markets will perform for you. History shows that. But in the short term, expect volatility. All that to say, I know I used way more words than I needed to, the drawdown this year has only been about 5%. So we're nowhere close to that 14% average. Will we hit it? I don't know. But yes, Josh, I do think a lot of people are expecting a pullback, a correction.