 one or 2% decline, the exchange traded fund, you can go on the market and buy that exposure in the market when the market's down. And so that's one of the reasons Josh and I use them is we like that they trade throughout the day and we can get liquidity throughout the day in client portfolios. And our own portfolios is that liquidity throughout the day, like it trades like a stock. The other sort of key differences is in most cases, especially when you're talking about buying an index company,