 more stress-free, if I had to guess. And so in that case, you're kind of limited to what makes sense just because the instinct might be, all right, well, let's go out and seek the highest rate of return possible because we don't have a lot of time and we're behind. Well, that would be a mistake. You don't want to go in and take on a bunch of risk because you may come up empty-handed, right? And then what's the incentive to continue investing there?