 If I'm borrowing against from my life insurance, I should pay it back anyway. But I have this huge tax-free death benefit. It can be huge, right? The way we design these policies, it gets bigger and bigger every year. Oh, let's go back to certainties. My premium is certain. It's never to go up. My death benefit is certain, and it will go up. And my cash value is certain, and it will go up. So I have these certainties to go out and play in these other areas where there isn't certain.