 If you want to sell that bond, you're going to have to sell it at a discount. If you want to sell it before maturity. And we stress test this bond portfolio against all market scenarios, negative bond scenarios, business cycle phases. And we can see that really the worst case scenario, even owning investment grade bonds today, we might be facing a period of time when this million dollar portfolio goes down to $800,000 or $750,000, suffers maybe as much as a 25% loss.