 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%.