 We know how over time those things tend to behave. And it's different than how a small cap fund or a mid cap fund would behave or bonds or anything else. But we rarely know what the markets are going to do next year. And frankly, anyone telling you otherwise is at best making an educated guess. And so the key to remember, and this is, this is the most important part. People need to remember that they should build portfolios based off of needs and