Clifford Ipp: Some people argue that football players would be safer if they didn't wear helmets because they would know. We're having a forum here Monday with Greg Ipp on the very example. AQR, you've led with mutual funds. Do you think in the next few years due to changes in regulation that the alternatives industry will do more distribution to non-accredited investors and how will the industry handle that opportunity? A lot of people actually do want more assets. So I do think that will get bigger. Next question.