 And let's say, all right, you've got, I don't know, a Martha Stewart Insight deal on some stock. So you pull $100,000, borrow against your life insurance. You go put it in the stock market. That stock market, that stock goes south. You lost it all. It's gone. But my money never left my life insurance policy. Therefore, it's continuing to grow compound every day. The caveat here is now I have a loan balance back to my life insurance policy.