 In non-IRA accounts, okay, I'm speaking about non-IRAs. IRAs don't care about the tax. It doesn't matter. But in a small IRA or in a non-IRA small cap fund, we want to have what's called low turnover. And so I'm coming to your answer, right? Trust me. We want to have what's called low turnover. Turnover is the amount of money that the portfolio manager buys and sells and buys and sells.