 options where if the market does tank on you, you can still have considerable growth going forward and you can recover. And we do it that way because like fixed index annuities, the market goes down, you still have what you put in there and you can ride back up the high and let your market assets recover. There's a reason we diversify these three large buckets and we go into more detail on each one of them, but that's as a whole, that's how we provide