 Was that really true? Probably not. So I think we're more normal now, and I think it makes sense, and I feel pretty good about it. So we're talking about rates, but let's go beyond rates. What do you see on the credit quality side? How significant is that? I've noticed the gap between high yields and riskless seems to be kind of tight these days. How do you look at the credit quality side? Credit's tricky.