 So it's an initial public offering when a new company comes public. Typically, the way it used to work is all the big guys, the wealthy investors, the big institutions would get first dibs on a hot IPO, and the little guys would kind of get left behind. That's changed to some extent. Some of these online platforms, SoFi and E-Trade and so on, allow you to get into IPOs in a way that wasn't available in the past.