 And so you're going to look at the track record on the mutual fund and say for the last 10 years or 20 years or 30 years, it's averaged X percent. It's had so many down years, so many up years. Here's what the stock market has looked like, and we're going to measure that and look at that, and you're going to learn about all that. So four types of funds, growth, growth and income, aggressive growth, and here's why this matters.