 Well, what that allows you to do as a self-directed IRA into an accumulation vehicle is have the ability to get the upswings of the market with some type of limitation. We call it potential for upside and 100% protected on the downside. And that could in fact be a triple P, but it could be used for accumulation if you don't need the income. Perhaps it's a legacy play and you want to protect the money from the market swing. So again, really important to understand how that works.