 They have to put a greater amount of money into some sort of an investment to generate an income when interest rates are low. So if you had, you know, a statement said you're going to get $40,000 a year to generate that, it might mean they've got to put a million bucks into an investment to actually generate the $40,000. But when we have interest rates right now, we easily go out there and get 6%, 7%, 8%, maybe even 9% or 10%.