So they're getting, let's see, those zeros cancel out, this zero cancels out. They're getting, over the life of the policy, $1 in premiums for every $100 in insurance. Or another way to think about it, let's say that there were 100 Sal's, 134-year-olds looking to get 20-year-term life insurance. And they insured all of them. So if you multiplied this times 100, if you multiplied this by 100, they would get $100 in premiums. $100 in premiums. This is the case where you have 100 Sal's, or 100 people who are pretty similar to me.