 a capital loss. We call this interest rate risk. It's the first thing. The second thing is if you're a fairly young person, you're far from retirement, you're far from your kids leaving for college, you want to invest in stocks and you want to invest in either an index fund, if you're not a stock picker like the S&P index, or in stocks where the companies have some good pricing power, where they can adjust prices to keep up with inflation. The reality is