 If you want certainty of five and a half percent every year, that sounds like a Ponzi scheme. Average is going to be misleading. And so, for example, between 1928 and 2020, if you look at calendar year returns for the S&P 500 and you average them. So every January to December. Correct. Just taking the calendar year return. And if we average them out, we get about seven or eight percent is the average. Sounds great. Average calendar year return. And what was the time frame again? From 1928 to 2020. Okay.