 with no surrender charges. So if you're in this for six months, and something goes haywire in your world, or for some reason you change your mind and don't want to be in this or don't want to be in all of it, you can pull money out, and it doesn't cost you a thing. So it works. It works real, real well. I've been using it for several years now, and my clients just love it because it gives you the stock market exposure they want. Stand in the Post 500 Index. It's diversified. But at the same time, you have the 10% protection.