 And day one, they would have more money in their account, their annuity account, than they have right now. And then secondly, each and every year thereafter, the upside potential was far greater. Not a little bit more, but two and three times more, four times more even in one case, upside potential than what they currently had. See, one of the advantages of index annuities is you can earn double-digit growth in a good market year. And the other advantage is...