Well, I think it's important for a person to understand what their own personal strengths and weaknesses are. Some people have a very high tolerance for risk and they can make investments that might have a very big payoff, but, ultimately, could also end up in a loss, and they can just deal with that. Others have a very low tolerance for risk. What's really important, I think, is for a person to have spent the time in the market that has gone through both a bull cycle and a bear cycle, because a lot of people, I think, have a tendency to overestimate their risk tolerance during a bull market, and the reason for that is because they really haven't sustained any losses. If you've gone through a bull market and you've gone through a bear market, then you'll have a much better realization of what your true risk tolerance is. And one thing I think is true almost universally is that most people's risk tolerance is a little bit lower than what they actually think it is. And I think once they go through both cycles, then they'll have a much better understanding. But the key is to know what your weakness is, to know what your strength is, and to focus on the things that you're good at, and not worry about the things that you're not good at.