text:  Okay. Okay. So if you had $100,000 invested at 12%, that'd be $12,000 a year, right? Mm-hmm. That'd be $1,000 a month. And so it takes $100,000 to replace that, but it doesn't kick in for five years. So we would need $100,000 five years from now and $36,000. So his offer's not bad.