 With total safety. So you track the market, you get 100% of the growth, but none of the losses. That's great. They're not as liquid because you can only access about 10% of that value each year. But if it's done properly, will you have money in the banks or credit units? You have some money in the market. You have some money in these insurance contracts, which, by the way, are backed up by the claims paying ability and the financial strength of a strong insurance company.