 If you're going to borrow against an asset, you want to be pretty darn sure that asset's not going to lose value, right? Otherwise, you can put yourself at risk. That's why it's so important and so powerful of a financial tool, borrowing against a policy, because they are insured, they are guaranteed, and they have guaranteed minimums. They're going to grow no matter what. So you never, ever get underwater. It's a better asset to borrow against than even a piece of real estate, for example.