 equity mutual funds and the other 30% of his money was in fixed income or bond mutual funds. And I say, well, yes, I do agree with you. Taking that 70-30 approach to how you have it is a moderate, aggressive portfolio. But when you're looking at your 401k, when you're looking at your investment statements, one thing that nobody shows you, one thing that no company really shows without asking for it is the underlying investments inside of those mutual funds and the overlap between