 And this is particularly true with local and regional banks, not so much the national banks, because most people don't have enough money for the big banks to really consider you. It's not worthwhile to them, because they're just too big. But if you have a good relationship, a working relationship with a local or regional bank, oftentimes you can get sub-market loans. And you can pledge the cash in an insurance policy as collateral for that loan. So again, you're leaving the cash in the policy.