that. we've got -- we really have had a nice run in the market without a huge amount of bumps, and to have one today where we're down 5% over the next week or two, maybe 10%, wouldn't be out of the question. >> so what do you best advise now? after hearing this segment, i'm sure people will look and say, i've gauss ot to check and see i am? how do they change investments? make a move? shifting or wait? >> investors tend to get very, very nervous, because markets take a long time and drop quickly. soon as it drops quickly, you get nervous. investors need to do now, if under the age of 60, say, you want the drops. you're still saving. in 30s, 40s, 50s, still putting money into 401(k) typically most weeks for investors. we want markets to pull back. it's not a time to panic. it's time to accelerate. every time there's a drop, it's good news for those who haven't