 I think we should all be wiser as we get older, and we shouldn't call something a market gain when it can be taken away. A 22% gain that is still exposed to market risk is not a 22% gain. How do you take earnings and turn them into a permanent increase protected from loss? That is what I would like to talk to you about. My number is 844-353-SAFE, and I look forward to us having a meaningful conversation.