 And again, I don't have a problem if you want to put a little bit of money to work over six or 12 months. I think that has more to do with how you'll feel if we have a 20% pullback in that time period and how you would feel if not all of your money were invested, but the market kept going higher. So I do think you have to get it to work. That's clear. I'm somewhat agnostic, although the math is generally better for a lump sum dump.