 It gives you that 10% protection with just a 15-month life. At month 15, it's not automatically rolled over. You decide what to do. I want to roll it over to the next one. That's fine. I want to cash it out. That's fine. I want to cash out part of it. That's fine. I want to go into a different portfolio. That's fine, too. So you have unlimited options with this when they mature.