 Number one, it's a five-star fund today. Does that mean it's going to be a five-star fund three years from now? I'm telling you, the so-called best mutual funds in 1995, three years later, in many cases, were the worst place you could have had your money. Some of those five-star funds that crushed it from 1995 to 2000 were down 70%, 80%, 90%.