 38.49%. So if I could show you a way to cover yourself for these losses, I think it would be worthwhile your time to either come to one of our events or give me a call at the office, ask for Niall Sr., or just take backup. Set up an appointment with me, and I'll go over this with you, show you how you can do this. This is not rocket science. This is what we do with the vast majority of our clients. I do it with my wife and myself. You want to participate in the growth of the S&P 500. Mm-hmm.