 or a warranty company, you build a table of statistics, okay? It's called an actuarial table. And if you're opening a life insurance company, you say, all right, number of 60-year-olds out of 1,000 60-year-olds that are healthy, how many die in a year? And then you can back into the mathematics and say, here's what it costs me to provide life insurance if I'm a life insurance company to a 60-year-old.