text:  and 45% in intermediate-term treasury bonds that you could make this happen. So we even had this formula that you could use. Well, think about all the things that have changed in the world economy. Think about what's happened with bonds since then. Think about inflation and how that's changed. Well, let's talk about bonds. I mean, if you go back to 2022, where we had the bond market and the stock market decline all at the same time, and that's where...