 They're almost all stock exclusively. And we want to look at their performance. When we look at their performance, we can see that their risk level, they're taking on as much risk as the market as a whole. When the market's down 30%, they're down 32%. When the market's up 30%, they're up 28%. So they really are pretty much tracking the S&P 500 and underperforming it a little bit. And then we have to ask the question, well,