 So there's a lot of different things you could use for a volatility buffer, but you want to look for something that you know will not go backwards if the market crashes. You know it has no fees. It will get interest, hopefully, at least to keep pace with their inflation. And if you get more interest, that's even better. And then if you can make it tax-free, that's the best. Now, you might think, well, if it's an annuity, how can it be tax-free? Or if it's a CD, how can it be tax-free? Well, if it's a Roth IRA, then it could be tax-free. Yeah. And if you did not...