 Frankly, they were probably never going to pull out more than 5% or so of their IRA annuity in any given year because the taxes would be too high, folks. It's just that simple. So having a surrender charge of taking more than 10% out is a non-issue because the taxes on it are far higher anyway. He understood that. So the fact that he already had our IRA, we rolled it into an annuity, a better one, far greater gains...