 Now, the way you can access them on a tax-free basis, it works exactly the same way, the same principles the bank lines do, because insurance companies often own banks, by the way. You don't see banks owning insurance companies, but you do see insurance companies owning banks. They, frankly, have a lot more money than the banks do. So that's the second way. And there's a third way you can access funds from these that I see some people use that works really, really well. Let's say you have good credit and you have a relationship with a bank.