 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. So it's a very important way to help build your wealth with a strong level of safety. So it gives you the safety, gives you the growth potential because it's like double digits. That's huge. Can't get that in the bank, in a bank instrument like a CD or a money market. You're getting maybe half that.