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. So they're probably giving these numbers because they think the probability of me dying is a good, maybe it's 1 in 200, or it's 1 in 300, something lower. So that they can insure, one way to think about it, they could insure more Sal's for every $100 in premium they have to pay out. But either way, it's a back of the envelope way of thinking about it.