Sorry Audrey if I seem too uninformed, but if one holds a fund for the number of years that is quoted as the duration, isn't it a break even situation. So if I own $100 now of a fund with a 5year duration that is currently yielding 3% and interest rates increase, my nav declines but the fund's yield increases to the point that at the end of 5 years it made no difference that the NAV declined. If I am correct, then is current yield not as meaningful to me as SEC yield? Again, as I said I struggle process this in light of making investment decisions for my fixed income portfolio.