Yes. CAIS works best where there is a dramatic one-time loss. If you're into a relatively stable situation, but even if you're not making any money or you're declining, it doesn't do you any good at all. To me, it works very well in some situations. You can lose a lot of money and not collect a dime. It simply depends on how you lose it.
I know someone who got $700,000 out of it in one year, and they needed that. They'd lost a lot, and that was great. I know someone who lost $300,000 or $400,000 and they needed more money. They never got a dime because it was that slow loss instead of a big one. So there are all kinds of flaws. There are ways to put money out there, but there's no equity in what you have right now.
Anybody who has diversity, it works against them. Diversity is a good business practice, but it evens out your humps and bumps so you'll never collect. The guy who has something that periodically goes sky high, periodically goes to the bottom, that type of dramatic pricing situation, they're going to love this program. For lots of guys who are doing a great job out there, it's never going to pay off for them. It's simply flawed all over the place.