 Just look at the history of it. Go back to 2007 and 8. They didn't care whether you had some good stocks or bad stocks. It went down like a rock. And go back to 2001. 90% of the dot-com stocks are gone and never came back. Those people are gone. Their money's gone. Yeah, okay, so diversification did help these people some. Some. Not completely. Would you really want to say, okay, I only lost 20 or 30% of my money for retirement? I mean, that's bad enough, isn't it?