text:  So you have four 25% pockets where this money is invested. Now, we want to make returns as good, if not better, than the stock market. But if we have a year where these returns do not do better than the stock market, your worst case scenario, your worst case is 6% a year growth. So they guarantee you 6% growth. We're going to try to get more, but if you don't, you're going to have 6%. Now, as that's accumulating, growing, growing, it does a couple other things. One thing I really like is you can plan...