 And on the comfort zone every week, I try to give our listeners a comfort level or a comfort zone with what is going on in the financial markets. I've been doing this for over 40 years, and we're seeing things in the markets right now that are unprecedented. Again, on the comfort zone every week, I try to give our listeners at a comfort level. There are no specific recommendations because everybody's different and no specific forecasts, just discussions of various scenarios.