 The whole purpose of insurance is to mitigate risk. It's to cover the things that you can't afford to pay for. And one of those things when it comes to life insurance is who are the people that are dependent on your income? In this case, the wife with dementia would have been extremely dependent on his income. So if he passes away, which we know over time, then she needs that money. And so we say 10 to 12 times what you were making in a year. That's what you need for the people who depend on your income. So when it comes to insurance...