 So if you put in, I'll use $50,000. You put in $50,000 and you get an 8% bonus. Well, 8% times $50,000 is $4,000. So right out of the gate, you have $54,000 in your account. You made a $4,000 profit just by filling out the paperwork. Then you can earn up to 21% when the S&P 500 has a good year.