 It's not 20-something percent, right? So if the S&P is up 25% in a year, that's not the average rate of return for the S&P. It's just the rate of return for that particular year. I had a conversation with a client the other day, and I think this is a good example for people to hear because we'll get this. So we've got clients who manage their money. Every once in a while, they'll talk to another financial advisor. That's fine. They're basically getting a second opinion, checking our work.