 Oh, Steve, I don't want to invest in this policy, and it's just money. I don't know if I want to spend it, blah, blah, blah, in this long-term care insurance stuff. Well, let's say you spend $2,000 a year, and you invest it in your insurance policy for 20 years. Okay, that's $40,000, right? All right, so 2,000 times 20 is $40,000, right?