 Yeah, it's very similar. Like you mentioned, it's tied to interest rates. So right now, there could be potential opportunity for people to invest in these if they haven't done so. Because here's the difference. Right now, a lot of people like bank CDs because it's what they're used to, and rates are high. But if you look at the rates now, you can get 5% bank CDs, right? And they're locked in for...