 it becomes more and more difficult to justify versus the times that we saw here in very recent years where that gap was much larger. Maybe you're trying to get 8% to 10% by taking on risk, but the risk-free rate is 0%. Well, that's a completely different scenario. We're going to be able to dramatically reduce our risk by taking about a half a million dollars off the table, take about a half a million dollars out of the market, even if we just put this in some kind of money market that's paying 4.5% today, for instance.