 I want to point out that right now, the 10-year Treasury is at about 4.3% or 4.4%. So where it is right now, it's sort of at the lower end of the range I just mentioned. Where do we invest? How do we play this? Well, what this tells me is that if you're holding bonds, and they're not tips, they're not inflation-adjustable bonds, that you are at risk of higher interest rates lowering their value.