 But sometimes that's not the case, and we've had many situations in the United States and all over the world where you might get a higher rate of return for a short-term bond than a long-term bond, all things equal. And it's not often that it happens, but we have been in one for a long time. We started in 2022 and in 2023, and into 2024, we've had this inverted yield curve where a short-duration yield