 Maybe we have more uncertainty now than ever, but that's a good reason to make sure that you're invested for your life stage. Whether it's a lump sum goal, you're taking the appropriate amount of risk for that lump sum goal based on how far out that is. And if your goal is retirement, then to have enough to take the right approach for that. Again, whether you're behind the eight ball or whether you have enough money to win the game of life.