 And go, hey, I know what I'm going to get next year. I mean, I want to know what I'm going to get. Right, because then you know every year what you're going to get if you have it at the bank, right? You get a one-year CD every year, and it may go up, it may go down. But whatever it is, you'll know what it is. And you have the option to take your money out of the bank and go somewhere else with it, right? And it's not just up to some random... I mean, I would ask, well, what is your decision-making process for how much money you're going to give me on my...