 Typically, you earn more in dividends. You get charged an interest when you access these, so you get to keep the difference. In other words, you get to earn interest on money you spent every year for the rest of your life. And historically speaking, the historical average has been about 2% to 3% positive arbitrage over the last 40-plus years. So it gives you an idea. There's a fail-safe. I'm going to share with you in a bit here how you can't go wrong with it also, especially when interest rates get out of hand and stuff like that.