 You're going to walk away with zero, perhaps, if we chose the index, but zero looks a lot better than losing 20%, according to most people, at least. Now, the trick here is you can also choose the fixed rate if the economy looks like, well, maybe the market won't perform very well this year. Then we go with the fixed rate, right? You can take a two-pronged approach. You don't have to put all of your dollars behind one strategy. You can split it up, maybe 60% with the fixed rate, 40% following an index, right?