 in this country's history. And so it has been very tough to own bonds. I will say, if you are a client of ours, that has not been the case. To us, it was very easy to see what was going to happen in the bond market. And so we adjusted portfolios accordingly. But for a lot of you, that you're either do-it-yourselfers or you have a financial advisor, you became very interest rate agnostic. You didn't care about what was happening to interest rates. You said, I'm going to allocate a certain percentage of my portfolio to...