And so that would mean that we're dropping, on average, more than 1 percentage point per year. That seems more than what's going on here. Now let's look over here. Over here, we're starting, it looks like, at around 42%. And then after 10 years, it looks like we're at 37%. So it looks like we've dropped about 5% in 10 years, which is consistent with this. If you drop 5% in 10 years, that means you drop half a percent per year.