 It's on you. Fair. Right? Absolutely. The risk is on you. If you don't make money, it could be you're not going to have much income. Right. Now, I do believe they do preserve... No, they don't even preserve your original investment, do they, variables? No, not unless you buy some sort of death benefit rider or something of those. You can get a death benefit, but you're not going to get any guaranteed benefit amount