 So if we look at all the positive years of the S&P 500, there was 30, 44, 48 years of the S&P being the positive. Okay. When the S&P is positive, just positive now, the average return is 16.9%. Nice. But if we look at the other side of the coin, when the S&P is negative, there was 3, 12, 19 times when the S&P was negative. Mm-hmm.