 The point I'm trying to make is this creates a tremendous opportunity. We are at a 22-year low on interest rates and dividends. Those are already starting to climb. Every company I talk to has already stated interest rates or dividends, I should say, will be increasing next year. And they expect them to continue to increase for the foreseeable future. Again, Vanguard stated for the next 5 to 10 years. Why not an investment in a tool where it's insured, guaranteed, tax-free?