 Then you're also going to have what's called a guaranteed minimum rate of return. You have the opportunity to say, okay, I want a part of this to be what's called fixed. And fixed is going to be paying a percentage guaranteed for the life of the contract. Then you have all the built-in guarantees, the built-in guarantees being, let's say that you and your spouse, I'm going to use an example. I used $400,000 a minute ago. I love this idea. You got $400,000. Okay.