 Especially if you're trying to construct a diversified portfolio, then bonds are usually a good option. But if you're young, then you really don't want to be using bonds. But suffice it to say, I'm going to go over some misconceptions about bonds, some common things that get reported on bonds, and some very common terminology that we use on the radio show here and try to clear up maybe some confusion. So the first thing on my list here is, I got number one, it's all about interest rates.