 The price of that investment has to be reflected in what the price of the bonds are doing. And so if you own the individual bonds, it's one thing you can deal with the volatility if you're going to hold to maturity. But almost all of you will have your bond exposure through a pooled investment, whether it's a mutual fund or an ETF. And those prices of those ETFs and mutual funds are very sensitive to the rate movement we've seen. So the solution, Mr. Finelli, is what Northwest Quadrant has been doing. And it's not because we're brilliant. It was just easy to see what was happening.