 If I showed you a spreadsheet and I said, if I looked at, let's say, money that is invested for 10 or 20 years, there's no 10 or 20 year time horizon where investing a lump sum versus a little bit at a time loses. OK, so you have all your money invested in the stock market crashes the next day. Could it take 10 years to come back? Yes. Unlikely. So what I need to know from you, Matt, is.