 So just to give you an idea, in year-to-date, inflation in 2024 is 2.97%. So that's just to give you some idea when we talk about risk tolerance, some of the things that I'm looking for when I'm talking to a client. Let me just say, some questions I'm going to start out with. To try and understand how they think, what is it that they really want to accomplish, because everybody wants to have double-digit return and no risk.