 And if you need to make some adjustments, you might need to make some adjustments. Sometimes people haven't really taken a good look at their portfolio in a while, and they might find out that, hey, we had some high-risk investments here. They did really well, but now your overall portfolio is super aggressive. Well, you might need to kind of take some of those profits now, maybe put it into something more moderate, put it into something safe. So there's nothing wrong with making some changes, but kind of make sure that they're the right type of changes. So we're not necessarily panicking, but we're not putting our head in the sand.