 they did pretty well. They had a high rate of return and everything looks pretty good at the surface level. But then when you look a little bit deeper and you see, okay, well, you might have averaged 12 to 15% rate of return, but your downside is 40%. And by the way, this idea of you being diversified, if we look closely, you're holding 50 different funds, but then underneath, what's in each fund is actually very much overlapping. And so people will find that