 A higher yield than you can get with a treasury security of the same maturity. How are they paying more? How are they paying more? The only way to do it is to take more risk, period. When a mutual fund says, we can grow your money faster than somebody else. And we've done it in the past. Well, they may have done it, but they didn't do it with the same level of risk as the market itself. That's an almost absolute. It's so close to an absolute. I think it is.