But what I want to do in this video is think about, given these numbers that have been quoted to me by the insurance company, what do they think that my odds of dying are over the next 20 years? So what I want to think about is the probability of Sal's death in 20 years, based on what the people at the insurance company are telling me. Or at least, what's the maximum probability of my death in order for them to make money? 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.