 And so this is pretty interesting. This is a study from J.P. Morgan. And it's a little bit dated, but you could run it forward and it would be true. It's 20-year annualized returns for different asset classes. And so, mind you, this is 1994 to 2013 when interest rates were going down. And so certain asset classes did better during that period. But REITs were the best-performing asset class. They were up 10.3%. S&P was up 9.2% annualized over that period. International stocks were up about 6%. Bonds were up about 6%. House prices were up about 3%. The average retail investor.