 just like buying an S&P index mutual fund, same thing, basically. So we put our money, and I'm in my 60s, across four types of mutual funds, growth, growth in income, aggressive growth, and international, and I look for mutual funds for my long-term investing that have long track records of outperforming the S&P. Okay? And because if I'm not going to beat the S&P, I might as well just drop it in an index, right?