 It does. And for a lot of people in the past, that's just been as simple as stocks and bonds. And as you get closer to retirement, maybe your 401k is following one of those target date funds. And it's just rebalancing your portfolio as you age to increase your bond portfolio and decrease the amount of stocks that you're in. And while in the past, that's been a successful strategy for some people, I can reference 2022 as a very recent example of a time when stocks and bonds were down at the same time. And