 Goes into annuity, 5%. At the end of the year, it's $105,000. It's not $105,000 minus the fees. And I think that, to me, is the biggest lie about annuities is that they're already actually underwritten to factor in the cost to build them, to sell them, etc. For us, I don't know, maybe they could say the costs are higher to administer them or their rates aren't high enough. Maybe it might be a more accurate assumption.