 a bad market cycle with some pullbacks, it's very possible to irrevocably deplete a lot of principal. Imagine you had this strategy in the year 2000, right? Yeah, exactly. By the time the market recovered 13 years later, you probably were out of money. Right. And so what they do is they put this rider on that puts the fee up to 3% or 4%. But it says that, oh, we're giving you this insurance because now if you do deplete it to zero, we'll pay you income for the rest of your life no matter what.