 You may earn some high rewards at times, but you can also suffer deep losses. So we don't see that as good stewardship. We help people put their money where it will never be at risk. And over the last 10 years, the growth rate has averaged 8% to 14%. Now, are you saying there are places where people can actually invest money and be guaranteed they will never lose their money and still average 8% to 14%?