 We're talking about the indexes. When the market's up and your indexes are up, you have growth potential. But when the market's down, then your growth potential is locked in. So let's say that 400-some-odd thousand has grown to $500,000. You've locked it in at that number. That's the pieces I want to talk about. Then the next thing I want to talk about is this money sitting in an account, just like your IRA, 401K, whatever, and it's tax-deferred. You're not going to pay taxes on it until you take money from it.