 the winners and the losers, right? I'm going to invest in who I think are the winning stocks and never mind the others. Well, an ETF is going to be much more likely, first off, on a performance side to track the overall performance of the market just more efficiently. That's research back to this point. If anyone is successful at picking stocks, they're generally successful for a short period of time and they're not able to replicate that over long periods of time.