This is the case where you have 100 Sal's, or 100 people who are pretty similar to me. 100 Sal's. They would get $100 in premium. And the only way that they could make money is if, at most, one of those Sal's, or really just break even, if at most one of those Sal's were to die. So break even if only one Sal dies. I don't like talking about this. It's a little bit morbid.