 long-dated bonds, intermediate-term bonds, high-yield bonds, and that has been unbelievably painful for you as interest rates have risen. So, Josh, I guess explain why when we do these free return reviews, we still are seeing people that own all of the wrong bonds in their portfolio, and they don't understand it, but explain what's going on and the dynamics of why they own the wrong bonds. Well, I'd say if you sort of break it down into a couple different approaches, like the