 And just in case you deplete the annuity to zero, the income is going to last forever, right? Because the problem is you don't have a set interest rate. So you're taking income out of these subaccounts, and it's oftentimes a 3%, 4% fee, right? So let's say you're taking 5% income. That means you're withdrawing eight or nine total. The company's taking out three or four in fees. You're taking out five. Well, if you get...