 Why do you want to go out and spend this additional money on a possibility when you're already carrying a term that covers the same time frame? And, of course, yeah, you can turn a whole life into cash at the end of it, and now you're finding out, hey, you can even turn some terms into cash at the end of it. Yeah, but you're going to lose money. I mean, the return on investment is so low, you're paying an extraordinarily privileged to do that. I mean, it just doesn't work out math-wise. Absolutely.