see all the crashes happen. It's true We just broke through the lows and yes, we're up a little bit today, but we're in dangerous dangerous territory You have people gonna see a statement for the first time and they're not gonna be happy At the end of this month. They're not gonna be happy Yes, a lot of us have access to online we see our but some of them. You know a lot of Retirees don't have working power of watching their home price start to decline again It's still up a lot, but hey my home price is coming down now my portfolio is coming down Considerably down 20% plus likely across the board and really just got hit in September What are you gonna? Do they're gonna be like wow all right? I'm gonna go to cash or buy the two-year generate 4% not bad Also if you look at mutual funds Mutual funds have until October 31st to lock in capital gains of course. It's not gonna be capital gains. It's gonna be losses That they're sitting on So that's for tax purposes Individuals have until the (21/33)