than you did before, which is why warnings sometimes have this boomerang effect. In other times, we simply put our head in the ground. (Laughter) Take the stock market for example. Do you know when people pull their head out of the ground to look at their accounts -- not to make a transaction, just to log in to check their account? So, what you're seeing here, in black, is the S&P 500 over two years, and in gray, is the number of times that people logged in to their account just to check. And this is data from Karlsson, Loewenstein & Seppi,