 And Josh and I, of course, at Northwest Quadrant, we have rules as it relates to managing our own money and our clients' money that we stick to. Sometimes it's very difficult to stick to. But Josh, explain sort of, I guess, the two most recent occasions where our rules were triggered and it forced us to do something with our client money that at the time was certainly not all that comfortable. And we felt kind of like idiots until the market went in our favor. Well, we have two broad categories of rules, which are threshold-based. So that's when...