 Yeah, and we're not saying you shouldn't own bonds. You should own bonds. You just have to own the right bonds. And in our case right now, it's very short duration and U.S. Treasuries. All right, if you want to take one of us up on a free retirement review, we'll give you an hour of our time to talk about anything in your life, your bond portfolio, whatever you want to talk about. It's fair game. If you have at least $500,000 of investable assets, call our office, 800-743-0988. When we come back, we're going to talk about the differences between exchange-traded funds and mutual funds. Stick around.