 Then the S&P 500 is in the mid 70s. We've seen it fluctuate a little bit between 74 and 77 over the last year and a half or so. So it's in the mid 70s. And when you look at that, where is your portfolio? And if we see people coming in with a 60 plus score, that's a moderate aggressive position and they can potentially lose a great deal of money.