 over which the concept of timing has influence, but not interference. And that's what's going to give you the best chance of achieving your objectives. We can't know what the market is doing next year, but we know that 10 years from now, the S&P is probably going to be higher than where it is today. So we know that the S&P is a long-term investment. So when we think about short-term needs, what kinds of investments are going to best suit that? There's money markets, cash, things like bonds, right? These are things you should talk to your planners about.