 24.23%. This is against a drop of 19.44% in 2022. So the way the math works, this is a net gain of only 0.08% for the two-year return. Both numbers there are before dividends reinvested. This is one good reason to have a longer-term perspective on your investments. The other subject that you talked about a little bit was some history on extreme valuations of assets, which can occur at times