 as equities are, but you have none of the upside and you're just not getting adequately compensated for taking that volatility risk. And so that's sort of a quick rundown of the mistakes we see. Well, and the other part of that is almost everybody, like when we see these portfolios, almost all of you out there listening, very few of you are owning individual bonds. You're almost all owning bonds, either in a mutual fund or an exchange traded fund and a pooled investment. And so