 So you got to factor that in. And again, it's regional. We've got a commercial real estate income trust that we use for our clients. It's very conservatively focused. I think it's the oldest one in North America with a phenomenal track record. And we looked at every underlying property, every single, went through every single office space through every single property. And none of theirs are at risk for a variety of different reasons, for idiosyncratic reasons that have to deal with the individual property itself. But by and large,