 The investor wants to pay you. The person in the property wants to pay you. You've got two people interested in making sure you get paid. So being a lender is one of the most stable things. And to prove that, if we look out the window here at downtown Norfolk, there's bank names on some of these tall buildings. Every city in America, you look at some of the tall buildings downtown, they have bank names because banks are very profitable. Their income is predictable. And in order to retire, you need CPAs, cash-producing assets. You can take money and give it to an insurance company and get an annuity.