 And again, that's where greed can get you hurt because chasing another 5%, 10%, 50% gain but risking 100% of your principal, your capital, if you're anywhere over the age of 45 to 50 thinking about retirement, it's not a smart place to be. You want to have some hedge and some level of safety outside a failing system. It is failing before our eyes. And like I said, the signs are everywhere. The timing, we cannot predict. I don't have a crystal ball. I'd be playing the lottery every night if I did.