 It's going to be a long way down. What I'm getting at here is there are instruments that we have where you can lock in over 5%, right? Today, the best one I have is 5.4% that you can lock in for three years. Now, if you go to an online bank, all that money is absolutely liquid. So if you need the money tomorrow, it's right there. But if you don't need some of that money, then you can put it into what we refer to as a MIGA, M-Y-G-A. It's called a multi-year guaranteed annuity. It has nothing to do with income.