 So, and if you're going to give the $2,000 to a church and $2,000 to a charity every year anyway, why not save a few pennies of tax? So, again, it's a true CD. I've got a nice article on it, just a page and a half that explains it all. It works. You fill out one form through us, and boom, it's done. And you can't take possession of the money, though. You can't say, okay, Gil, send me money out of my IRA because I want to...