 And you can invest it in various mutual funds. I generally select for most people, and it's different for everyone, but on average we're going to have 25% in the Standard & Poor's 500 Index, 25% in T. Rowe Price Growth, 25% in American Funds Growth, and 25% in maybe a growth and income plan. So you have four 25% pockets where this money is invested. Now we want to make returns as good if not better than the stock market.