text:  Up to 10% of any losses are covered. Up to 10% of any losses are covered. So, hypothetically, if you're down 5% in month 15, you'd be breakeven because the 10% comes into cover. If you're down 10%, again, the 10% buffer comes in to protect you. You'd be breakeven. If you're down 15%, hypothetically, in month 15, you'd only be down 5. If you're down 15, the 10% buffer comes in, and you're only down 5. So this is the way of being invested in the Standard & Poor's 500 program.