 That's really what it's about. Somebody can say, well, hey, here's a portfolio. Hey, look at this. The average rate of return is 8% per year. So as an investor, you could say, so you mean if I do this, I'm going to average 8% per year? And they say, yeah, the 10-year average is 8% per year. And you go, well, all right, but what's in that number? It's not that it got 8% every year. There were really good years and potentially really bad years, and then there were okay years.