 Now, of course, we're talking about qualified money. You have to pay if you take any money out. You have to pay on taxable gains. This is something that is a situation even if you have a CD. But the benefit of having the MIGA is that it defers your tax requirements because it's a blocked in 5, 7, 4, whatever year, whatever you prefer. And the rates are higher than the bank. So this is a good opportunity.