 Where it's uncertain if they're going to go up or go down, right? Stock market goes up, it goes down. I lose money, I gain money. I lose money, I gain money. Oh, now I'm going to be taxed and I don't know what that tax bracket is. If you're a young person starting off, you know what? Instead of contributing and do your due diligence and we will help educate you. But do I want to put my money into something that I cannot touch for 30, 40 years?