 and international, and I look for mutual funds for my long-term investing that have long track records of outperforming the S&P. Okay? And because if I'm not going to beat the S&P, I might as well just drop it on an index, right? Yep. Okay, so somewhere in that 11.5 to 13 range is where most of that's going to fall over a long period of time as a rate of return.