 So that's part of where you got ripped off probably. And my other guess is that if I knew the premium amount, it probably wasn't enough to have a lot spilling over into cash value. So it's very possible that what you've learned is true. I'm sad to say. Now, the good news is you can stop doing it. You have a hole in your pocket. You don't keep putting money in it. And then we need to ascertain even if you need life insurance at 66 years old or 65 years old. So do you have assets?