 And that is really the crux of it. It's like all the stuff on the growth side, like we just own indexes, broad-based indexes that track stock indexes. And so that will take care of itself over time as stocks trade higher. But the importance of making sure that your risk reducers, like Josh said, truly reduce risk is vitally important because we're now still in the longest bear market for the bond market in its history. And so a lot of people out there thought they owned bonds that were going to reduce risk, that it turned out that they didn't when interest rates went up. And so...