 Here's this lady's real portfolio over the last 20 years, and she's got like a 3% return. And here's the S&P 500 that's done 9. While she's talking about in the last 10 years when everything has gone up and she's got a 12% rate of return. But we haven't had a 40% or 50% collapse like we did back in 2001, 2008.