 Basically, what happened was in 2009, we had investments that we were pleased with, and then the market crashed. And my former advisor kept saying, stay the course. I was getting quarterly returns that were very distressing. We received a card, a note from Dan White, inviting us to a dinner at Dilworth Town Inn. He explained it in a way that we could protect our principal and still have the opportunity to earn some interest. And there would be peace of mind. We wouldn't be getting the quarterly reports with the distressing figures. And we're very pleased. We've been involved with Dan for the last 10 plus years. And so we're very pleased with what we have.