I'm a well-educated guy, but not in finance. To me, it seems like the market is a massive bubble and will crash any second, but I've thought that many times in the past and usually been wrong, bec. big investors live in a completely different universe than I do. So I'm curious: do you think the market's going to crash in the next year or two? And are you (like me) relatively unsophisticated in the world of financial markets, or do you actually pay close attention to this stuff?