 That's number one. We teach people, and George and I both personally invest in four types of mutual funds evenly, 25% each. So $75,000 each out of the $300,000. And we would say growth, growth in income, aggressive growth, and international. Mutual funds that have at least, if you're buying from a smart Mr. Pro, have at least a 10-year track record. Don't buy brand new funds.