 You know, it's interesting. When you talk to your financial planner, they talk about this concept. You need to diversify. Where does the concept of diversification come from? It comes from the concept that they don't have any idea what works. Let's think about this. I used to do this in my seminar. Just get it on the whiteboard, and I'd write, okay, here's an investment that can make 100% return. Do we know they have them, that they're out there? Yes, we do, because here at Lifestyles, we do them all the time. Big, giant capital gains deals, okay? Then the second thing we looked at is, can you earn 20%