right, well, well, actually yes, what, what you look at, is, is what's important to you and you put a cash value on it, and it might be the mortgage, it might be education, it might be giving yourself a couple of years' salary and paying debts or whatever, er, and the security of knowing that o k, if i die, i'm not leaving a problem for my family, but at the same time if i'm in a situation where i get a serious illness and i can't bring in an income, i'm securing my, my, my future in that respect.