It's a little bit morbid. So one way to think about it, they're getting $1 in premium for $100 insurance. Or if they had 100 Sal's, they would get $100 in premium. And the only way they would break even if only one of those Sal's dies. So what they're really saying is that the only way they can break even is if the probability of Sal dying in the next 20 years is less than or equal to 1 in 100. And this is an insurance company. They're trying to make money.