 If you look at it and say, gee, I don't think my concerns are valid, I think I'm just being a nervous Nelly about this, then you can start to layer on a little bit of, let's say, BDCs, business development companies. A business development company is basically a fund that lends money, taking investors' money and lending it to medium-sized companies. So a bond is a loan, and a BDC is investing in a portfolio of loans.