 Some people say, well, how come I've never heard of them? Well, you never met with us before. You know, we believe that you need investments in the market, but you also need an element of safety. And that's where these insurance contracts come in. And they offset the risk level that you get in the market. Yet at today's rates, we have double digit caps right now. Never since these products came out, did we have an annual, what's called an annual point to point,