 Now myself, much different story. A lot of A's and a lot of D's and F's. But when we averaged it out, we had the same grade, same GPA at the end. So investments can work a lot like that too. If I tell you the average rate of return on the portfolio is going to be 6% to 7%, that's an average. The sequence of returns that we experience to get to that average could be very, very different depending on what the asset class mix is.