 in the month of November and coming into December, that these things are already kind of priced in. They realize that there's going to be some up and down volatility that comes to them. But here's the thing, and I think this goes back to what you were saying before. It really comes down more to having a plan than trying to guess what the markets are going to do. I mean, if you're 60, 62 years old, and this is, so you said, what, eight?