 Russell, here's an investment for you. I want to ask you this. What do you think of this? Okay. What if you could buy an investment that the first year, it pays you 5% in the current environment, right? First year pays you 5%. It's a 10-year lockup. So your money's tied up for 10 years. Okay. The first year, we'll give you 5%. Years two through 10, we set the rate.