 done correctly. But I would say 95% of the time, everyone I see is not done correctly, just not funded well enough. And it's something that takes a long time to build up and work on. And that's, I think, where the bad taste in people's mouth come from in life insurance is that I was supposed to use this for income retirement. Now I don't have enough cash and I can't use it. So I paid all this money for what? It's just...