I knew that would trigger a reaction. Moreover, don't feel uncomfortable “scaring people” with the words “will” or “would”. In the past 20 years, they're the heavy weight champions in the art of “scaring people”. We don't need anyone else to do that.
However, I would like you to go back to the report you mentioned earlier, that is to say on exactly what the report states and the variable years aspect. We agree that there will always be good and bad years in the stock market and elsewhere, so there will be variable years. However, we're nevertheless talking about a long period of time here, nearly 30 or 40 years.