 That's 1%. $1,000 divided by 100,000 is 1%. Now, if you're retired and the whole decision you're trying to make is should I take a pension or should I take a lump sum, you're going to divide the payment divided by the lump sum. It's going to be a lot more than 1%. Probably going to be 5%, 6%, 7%. So you need that much income to replace the pension check. How are you going to get that much income if you put it in mutual funds?