 When you buy these types of strategies, so what happens is you move a portion of your assets into these types of strategies, these IPAs. It could either be a lump sum or it could be a set amount over intervals. That's up to you. In exchange, what happens is you will be provided a guaranteed stream of income payouts either immediately or at some point in the future, depending on which strategy makes the most sense for you. So you're getting tax-deferred accumulation potential with a death benefit and also a