 So you see what I'm saying? It's very competitive. Here's another thing I want you to understand. Dividends are on the rise because of the increased interest rates. The historical average on dividends, by the way, is about 7% to 8%. I can show you the historicals, and you'll see what I'm talking about. Dividends are going up, and we do expect that to occur for the next 5 to 10 years even.