 Within asset classes, you want to be diversified. It's not enough to just say, well, I'm in stocks and I'm in bonds, therefore I'm diversified. Well, which stocks are you in? Are you in just three stocks or are you in 30? If you're in 30, are they a bunch of different funds that actually hold a lot of the same stocks within them? Because then you're still not diversified. There's all of these plans out there that may seem like they're diversified, but they're not really.