 So now we're talking about safety. If you take a little bit more risk, then you should expect to get a better return. So if you could go to the bank, you get 4% or 5% on a CD, but then you looked at the market itself and you think, well, then I've got stock market risk or I've got bond risk because I'm going to loan the money to a company or some municipality or state or even the government, federal government. You're thinking, well, maybe there's a little bit more risk, not the federal government.