 actually invested in the s&p 500 but we're going to track the s&p we want to see from this point in time you know say july 2024 to july 2025 did the s&p make money or did it lose money so if we're tracking the s&p and it made money well in an indexed annuity you're going to make money too if the s&p lost money over that period of time you're not going to lose any money