 that feels like you're eliminating duration risk, right? Duration risk is what would cause a change in the price of the bond if you wanted to sell it. So the longer the duration or the longer the date of the bond, the more sensitive it's going to be to changes in interest rates. But if you own through a fund, then you're exposed to those changes. If you're going to just buy a bond and hold it to maturity, then you don't necessarily have that issue.