 Because I don't want to just sitting in a savings account or a checking account and not earning anything. But I would like to make money if I have excesses. Of course. So what you're talking about is really investing it. And let's get the word product out of there because product generally refers to something that might be issued by an insurance company, which is okay in certain circumstances. Really what you're after is, okay, I've got this extra cash flow that I don't need today, but I may need for the future. Is that a fair statement?