 So there's a number of different strategies. Most of the most efficient strategies are going to be something that's insurance-based if it has some kind of guarantee by an insurance company. And that's going to be obviously based on what the claim's paying ability of the insurance company. So you need to pick a strong one that's A-rated and all that. And Daniel, you mentioned life insurance before earlier. So life insurance, there's a lot of different kinds of life insurance. I may have life insurance at work. Is that good?