 Last year, the total return on the S&P was about 26%, so we're already outpacing that gain. Now, in history as well, whenever we've seen a year in which the first half was up 15%, we haven't seen a down year as a consequence of that gain ever. So it's possible the market may still keep going up. Of course, there are election year concerns, concerns about whether or not the Federal Reserve will lower interest rates before the end of this year finishes.