what is your methodology where you talked about BB, talk about investment grade, what's your methodology? Because you have to look under the hood for your investors to see if these guys generate. Is it just cash flow? Is it earnings, the history of earnings? Again, you have a lot of rating services that do a lot of the work for you and can rate these. But also, there's people that can look even further under the hood and say, okay, these guys should be investment graded or not, and that's where you're going to pay a higher yield and get a better price on your bond. But what's some of the methodology that you use that you look for to really recommend a bond? Sure. I don't consider the rating agencies' ratings too much because, don't forget, these are the same guys that were rating all those mortgage securities AAA when they were worthless. So what I look for as far as ratings is to see if something's maybe undervalued. So if I'm looking at a BB bond and the yield is too low, then I'll (17/35)