 Yeah, well, if you're beyond the term, which is when it starts dramatically increasing, the idea is that you need to drop that. I mean, that's going to be really cost prohibitive. And I realize that gives you even less if you were to die tomorrow and none of us know the hour that the Lord will call us home. But, you know, you really need that money going back into your budget. The idea behind term is that once that term ends, that the level term where there's no increase in the premium, then we need to let that go because that's going to be really cost prohibitive at that point.