 and know that you have money set aside that is not affected by the stock market. And then frankly, the longer term money that might come down with the stock market should have time to grow back, should be able to recover. That could take a few years, it's true. But all too often, we've seen people panic and sell out of their C fund and put the money in the G fund. I mean, I saw that happen back in 2008, 2009.