 felt that because of all of the losses they had experienced, they had sort of soured on the market for several years. And then, of course, in the mid-2010s, as the bull run was really kicking into high gear, they decided, well, okay, this market thing might be a good opportunity after all. So there they had decided to suffer all those losses over the course of the 2000s and then change to a very conservative portfolio from there, even though they were in their prime working years. And then as the market changed,