 That's not a pleasant sight for some of the people I've seen that are managing money. That's right. And my father was in that same situation at his company in 2007, 2008, 2009. They did not have that runway like you teach, Coach, where you have the financial red zone, the 5, 10 years before retirement, start taming that risk down. They did not. They simply were relying on a manager.