And honestly this last year when I was there, I was sitting there going, “I'm really underselling this thing. All of a sudden, you find some other resource that's going to help you. Once you add in the effect of taxes, even more funds underperform index funds. Now, index funds can be traditional mutual funds; they can also be exchange-traded funds, right? When I'm talking about index funds, I'm generally talking about pretty broad-based index funds.