 Now, I haven't even shared the other thing that this show is based on. I discuss nearly all the time, and that is the personal bank concept. That gives you the opportunity to grow your money insured with guarantees, tax-free, grow it tax-free, access it tax-free, and pass on to your heirs tax-free, but also highly liquid, anywhere from 60% to 85% liquidity day one. So if the liquidity issue, which is the one real problem