 inside of each fund. You know, there may be a basket of stocks in each one. Well, they may be more or less the same or at least in the same sector. And if we're all in the market, that's another red flag that'll come up. If you're 90 percent in equities, you know, whether it's a U.S.-based stock or a mix of U.S. and international stock, well, the problem is still going to remain that we're heavily exposed to the downside risk. And