 And that's a big one, of course, but it's just stuff that doesn't clearly do what you want it to do when you need it to do it. And people get lost in the weeds there, and they own all this stuff that they really shouldn't. And if they just own more stock on the margin, their returns would be a lot better in the long run. And if their risk reducers did what they wanted them to do, they would be able to ride out those drawdowns.