 Now, if you can make 5%, 6% of your money insured with guarantees and tax-free, and it only costs you, say, 3% to borrow against it, man, that works every day of the week, doesn't it? Well, we also know that recently interest rates have gone up significantly, very quickly. It's the fastest increase in the history of the Federal Reserve from a percentage standpoint. And now prime rates are something like 7% and 8%, 8.5%, the last I checked.