The Golderm butterfly is a very stable performance and pattern of distribution even in the worst of times, which is what we like to see. But now we're going to move on to the most complicated portfolio here, the risk parity ultimate. This one has 26% in a long-term treasury bond fund, 16% in gold, and 6% in a money market fund. Funds have been one of the still worst performing sectors of the stock market over the past 18 months or so. And because of that, we also do make some small tweaks in terms of the allocations in this portfolio each year to highlight different asset classes, management techniques and other possibilities.