so -- and so you see that even at 50/50 percentile, 70/30 would deliver you 6.2, according to nacp, and i actually agree with that. i think mine might be lower than that, but ours is designed to do seven and through good manager selection i hope will do eight. that's a more complete walk through of the five to seven year and the 30 year will be even easier. let's go to the next page. >> and real fast, the way we're set up, we're not going to do necessarily as good as some people might do in a raging bull market. >> right, right. >> that's by design. >> it is by design. >> okay, thank you. >> that is the core -- >> because even if we don't keep up in a vigorous bull market, we're still going to do really, really well. so. >> president stansbury: i'm with you, thank you. >> next page. >> next page, similar analysis with longer term capital market assumptions, and remember what we're trying to do is to give an idea of the short-term and long-term expected returns, which will be your 50th percentile, but that's just one number. we wanted to show you that we look much deeper. we compose it b