 Everything we're seeing in the economy currently, you would think credit card debt continuing to increase, that there is a reckoning in the market on the horizon. And people have been saying it now for going on two years. You can't always gauge based on the way things feel. And so that means that it doesn't mean that the bull market is just going to continue for years and years and years and years and it'll never correct. What it does mean is we have to be prepared in case things do take a turn.