 employees of General Motors. So we can't ignore default risk. But case to your point, if you're using individual bonds, you're laddering them out, you've minimized some of those risks of using like a mutual fund, a bond mutual fund. So you've minimized some of the risks, but there is still risk involved. And you brought it up, you know, what's the feeling going to be when you look at your statement, see that you're down maybe 200, 300,000? Is that going to force you to start making emotional decisions at the worst possible time?