 3%, I believe, is reasonable on the inflation side of things, but being very cautious on how we run a rate of return number across someone's assets. You say, all right, well, the market averaged 8%. Well, let's run it at 8%. Well, if that doesn't happen, then who's to blame, right? So we're much more cautious when we run the rate of return across someone's investments, but I do believe 3% is a realistic expectation