 That would be $1,000 a month. And so it takes $100,000 to replace that, but it doesn't kick in for five years. So we would need $100,000 five years from now and $36,000. So his offer is not bad. Oh, okay. It's not bad. Because here's the thing. The $36,000, we could just call it dollar for dollar, okay? There's a concept in money. Let me walk you through it. Here's what's going on in my head, okay?