 And then this was my favorite one of all time here. So we're looking at average cumulative S&P 500 total returns from 1988 to this year if you invest on any day versus if you invest at an all-time high. And we've had a lot of all-time highs this year. And I've heard a lot of people over the years say, well, this can't be a good time to invest. We're at an all-time high. But listen to these numbers.