 And that is where we really excel, reduce risk without sacrificing the growth. So how do you do that? Well, again, we have to have a proper balance of income safety and growth, and that's what we do, and the liquidity. And so that's what we do every day here at Victory Wealth Services. But I would definitely be looking at how much risk am I taking? The other thing I would certainly take a look at is how much taxes am I going to be paying over the rest of my lifetime?