 Now, a cap may limit you. Let's say you have a really good year. You have a 16% cap, and your unit trust and your portfolio is up 20% before maturity. Well, if that's the case, the cap is 16% and we're up 20%, we'd probably have a conversation with you and say, look, your portfolio is going to come due in a month. You're 4 percentage points higher than the cap. If you let it mature at this price, you're going to lose 4 percentage points. Let's sell it now because you have daily liquidity with no surrender charge in this investment.