 use it to supplement retirement, whatever it may be. But if you're earning more in dividends and you're getting charged interest when you access the funds through, say, a line of credit or a policy loan, you actually get to keep the difference. And even if it's just a 1% difference, what if you were able to earn 1%, 2%, 3% each and every year on money you spend? Because, again, the money's in the policy. You're earning dividends. You borrow against it through another entity like a bank.