 What does that do? That reduces the cost of insurance by 60 to 90%. And oftentimes we run into scenarios where the cost of insurance now is competitive to like many mutual or index funds, things like that. So it gets very competitive on the fee side of things. Because again, the goal is not to maximize death benefit. The goal is to maximize cash growth. We want our money to grow. We want to maximize dividends or interest or interest credits, whatever that is.