 beat 79%. That's 8 out of 10 mutual funds over the last 10 years. We're not talking bond funds. We're talking growth funds. Funds that were using the S&P as their benchmark. The S&P beat them. That means that if you pick a growth mutual fund saying this is it, this is the one, they said they could do it, there's an 80% chance they will not perform well, as well as the S&P. And I can tell you this, that if you take the S&P's returns