 You just were good enough to own it. Yes. So think about this. The managers inside the fund buying and selling investments. Well, when they buy and sell the investment, the individual stock within the mutual fund, that's a taxable event. And so they have to pass on that taxable event to the shareholders. And so even if you don't sell any shares of your mutual fund, you can still get hit with a taxable gain, even if mutual fund is down in value, Donna, that year. Right, because they're embedded in there. And also the timing of when you buy the fund doesn't,