 I'll give you an example, and I've got just a few minutes here before our next break. I'll see if I can get to it. I'm going to give you an example of an IPA versus a bond in action. Let's look back to the previous example I mentioned of Bob and his wife that invested half a million dollars in bonds. Bob experienced the downside to interest risk rate. Now, what if instead he had used that same half a million dollars and had purchased an IPA with an optional income rider? Well, that would make sense. That's what I would recommend. So what happens is that