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Investment, yet somehow gaining from the sale of that investment to unsuspecting investors. i don't know, christine, take a shot at it. >> you're the -- you're the investor and you just don't know. i mean, it's simply something that you don't know what the motives are behind -- behind the selection of those -- of those subprime mortgages in that -- in that cbo, so, you're absolutely right. and you're right, it's hard to make an analogy, ali, because it is such a clubby and unique industry, isn't it? and, remember, a few years before this, the cbos were the wild west. >> that's the collateral l...