 Okay, so that's $12,000 a year, and so the amount of money that it would take to create that would be $100,000 at 12%. Okay. Okay, so if you had $100,000 invested at 12%, that would be $12,000 a year, right? Mm-hmm. That would be $1,000 a month. And so it takes $100,000 to replace that, but it doesn't kick in for five years, so we would need $100,000 five years from now and $36,000. So his offer is not bad.