 It has no annual fees. But when the S&P goes down, you don't lose any money at all. So from a market standpoint, if the market goes down, you don't lose one penny, which is really cool, because if you think about it, the other money that we can allocate into the stock market bucket and I call that our risk bucket, that's going to fluctuate in value. It's going to go up and down. And, you know, let me use an example.