 And they had sent them a 10-year report. And they said, hey, listen, so, hey, look at this portfolio for the past 10 years. The average rate of return would have been 13%. This is a strategy that gets used because people would like to make money. Vanguard's a household name. They know it's a good company. Then they put it together for you. And then they tell you, hey, the past 10 years it's paying 13%.