 again, after a 10-year bull run and the current all-time highs we're experiencing, how much further do we expect it to go? Is the continual prospect of additional upside, is that greater than the downside risk? It's one of the main things we hone in on for people who are either at or near retirement. For the amount of return that you're getting, everybody would like a nice return, but what is your downside? Is it three times what your return is? Well, maybe that's not