 But the difference is the interest you get in a given year depends upon the performance of some outside index. So usually it's, let's say, the S&P 500, right? The Fortune 500 companies. If the stock market goes down in a year, you'll end up getting zero. You won't lose, but you'll get zero interest. Which is nice because at least you have that benchmark. You can't go below zero. You're not going to lose anything. You have a floor. That's right.