text:  A cap limits the amount of money you can make in month 15 when it matures. Caps on the last buffered portfolio, they make a new one every month. The cap was 17.13. So any money over 17.13, you don't get. The company gets to get. But there's a way to get around that. We'll talk about that in a minute. I think more importantly is the buffer. There's a 10% protective buffer.