 What does that mean? Well, it means as far as the insurance company is concerned, all the money is still there. It's still earning full dividends, right? And if you're earning 6% dividends, for example, and you're getting charged 5% interest from the bank, what happens? Well, obviously what's happening is you're keeping the difference. In that example, it's 1% positive cashflow or positive arbitrage on your money that you spent.