 Spike says sleep insurance. That's called the power of zero, the power of zero. We don't lose money. Then when the market returns, it comes back up. So that's the accumulation side of it. What I try to get people to understand, you're in a part of your life now. If you're listening to this show, you're in a part of your life now. You're not really, shouldn't be really trying to accumulate a lot of money. You've already done that. You've worked hard at that.