 Now I asked a question that Joe soon won't forget. I said, Joe, how do you know he made a 22% return? The phone was silent for a while. I could hear the gears turning in his head. And then quietly, humbly, Joe answered, I don't know. Before we get back to this encounter with Joe, let me ask you this question. How much of your returns do you get to keep? How much of your returns are subjected to market losses, fees, and taxes?