 In order to feel confident and secure, we have to be prepared for financial risk. We just have to know about the financial risk, not wait for it to happen. I look back at 2008. We had what was called the Great Recession. Many people were not prepared for that. They were not prepared for that 40% drop in the market. They were just completely blindsided. And it doesn't have to be that way. Could that happen again? Well, of course it could happen again. So we have to identify that.