text:  which means you're going to get just about all of the S&P 500 growth from year to year. Now, if the S&P does 22, you get 21. But if it does 18, you get 18. This is an excellent way to grow your account without having to take stock market risk. Because if the stock market crashes, you're never going to give back any of your principal. You're not going to lose your money. And, I mean, you can structure it differently.