 That's where our contract comes in with this insurance company that says we're guaranteed against loss in that situation. So you can have a scenario where year over year, maybe over a three-year period, let's say we're following the S&P 500. S&P goes up one year, down the next, down from where it started initially. Year three, maybe it gets right back to even. Well, in our fixed index strategy, we're going to have the ability to