 So if your policy anniversary was today, but one year later they look at where the S&P 500 is, they do a calculation, you get 100% of that growth. And if it goes down, you get zero loss. You don't make any money, but you don't lose any money. At each anniversary, if they credit any gain, that interest is added into your account and locked in. So that even if the market goes down the following year, you keep all those dollars that you've earned at the anniversary.