 So if in month 15 it comes due and you're down 5%, you're not going to be down 5%. You're going to be break-even. If you're down 10%, you're not going to be down 10%. The buffer's going to come in, and you're going to be break-even. If you're down 15% in month 15, then you'll only be down 5% because a 10% protective buffer comes in and covers up to 10% of any losses. So now what you have is an investment in the market, an investment in a broad-based portfolio, the Senior No. 500 Index, with protection, with a safety net, with protection.