 to include crashes in the market. The last crash we had basically started at the end of 07, ended at the beginning of 09. So I said, here's what I'm going to do. I'll do an analysis of this for you. Let's look at the exact same portfolio from end of 2007 until now, not from 2014 until now. And it turns out, oh, well, now the average rate of return is 6.5%. It's not 13 anymore. So basically my advice was, well, listen,