 There are restrictions to how much you can earn. There's restrictions to how much you can take out. There's all kinds of things that, again, if you are paying for a guarantee, they're saying you're not going to lose principal. Then how are you paying for that? You're paying for that in some kind of way. But that can be an instrument that at least allows somebody who's so scared of the markets to put their money to work a little bit so that they're at least earning something. Because if you hang out in the G fund for all of your retirement, you're going to have problems come 15, 20 years into retirement.