 But you don't put your money in or something earns nothing. And you don't put your money in something that loses money. You just don't do it. And they said, but you don't know what will and won't go up and down. And that's the whole point. Your financial planner is an idiot. He doesn't know what he's talking about. I do. And so I'm not going to listen to people that are stupid and put my money where stupid people put their money.