 zero floor or the principal guaranteed. I can show you average returns on these over the last 20 years. The high and low ranges run from about the low end, around 5% a year to upwards of 11% per year. Some of the best and worst 10-year periods over the last 20 years. So if you want to grow your money, you want to do it safely without having any downside market risk, you want to reduce your stress, all those kinds of things,