 What we're going to do on an annual basis is we're testing that insurance. We're seeing what the expenses are. We're seeing what the benefits are and making sure that all those premiums are being paid. And my favorite, if you never use that insurance, we want to make sure all those premiums go back to your beneficiaries. There's a lot of different things that you can do, but it takes time. It takes planning and patience. And once you do that, under our guidance, then you can just...