 and they both have good long track records. If you're doing like an S&P 500 ETF, it's a pretty simple equation, just like buying an S&P index mutual fund, same thing, basically. So we put our money, and I'm in my 60s, across four types of mutual funds, growth, growth and income, aggressive growth, and international, and I look for mutual funds for my long-term investing that have long track records of outperforming the S&P. Okay?