I think you're right Mike. Not making excuses for it, but I think people are unsure of how to proceed with their investments. I chose to work at my current place of employment because it was a "Mom & Pop" type of business. My previous employment of many years was private duty home health care. Helping people stay in their own homes as they age. I did that work for 20 yrs. But when covid came along, I was considered unemployable because I wouldn't take or give the jabs. I took a 50 percent cut in pay to go to my current job. Don't know what's next, but God's in charge and I'm not worried. He's always right on time.