 A normal ETF. Well, an ETF mutual fund function about the same way. We recommend mutual funds typically. No big difference for purposes of diversification. They both accomplish that goal, and they both have good long track records. If you're doing like an S&P 500 ETF, it's a pretty simple equation, 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,