And the way to think about it, or one way to think about it, kind of a back of the envelope way, is to think about what's the total premiums they're getting over the life of this policy, divided by how much they're insuring me for. So they're getting $500 times 20 years is equal to $10,000 over the life of this policy. And they're insuring me for $1 million. 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.