 the bank making 0.01% when they have a money market making 4%. It's the same concept. Got it. All right. Well, I appreciate you guys and your insight and your client stories of people that you've been able to help and serve. If you are out there and you're wondering, hey, you know what? I haven't looked at my life insurance policy in a while. Maybe I would be a good candidate to refi my life insurance. This is why you need to schedule your time to come in and receive your complimentary written financial plan from Patrick and Victor and the team of Elite Retirement Group.