 OK, doing nothing is a decision. And oftentimes it's the wrong choice. If you were sitting there in 2007 and you were clairvoyant and you knew the stock market was going to drop 60 percent in the next 18 months, would you have just hung in there and stayed the course? Or would you have made adjustments if you knew what was coming? A better question is if you were 65 or 75 in 2007,