 But talk to someone who's a professional, not listening to the news, which likes to hype and scare tactics, not listening to your neighbor or your best friend or even maybe someone who used to be in the business 20 years ago. Really talk to someone who's active in the market, who's a professional, who can look at it with a non-emotional approach to make sure that you're properly diversified for your risk tolerance, for your goals and objectives.