 and guarantee themselves, backed by the claims paying ability of the insurance company, $50,000 a year for the rest of their lives. So then if they have a secured $50,000 a year, $4,000 plus a month coming in every year the rest of their lives, we know that that $700,000 that just guaranteed them $50,000 a year, that's going to go down in value over time. By the time that they're 20, 25 years from now, that's probably gone to zero. Yes.