That's effectively a fair statement. Again, when we're looking at this as an actuarial calculation, they're trying to assume very much what this will cost the plan, and that's kind of looking at another alternative with a set of assumptions about what you could get as a return for these funds, etc., but yes, it's a defined benefit versus kind of a defined contribution. You're basically trying to lock in a set amount of money here if you're going to keep it aside and not reduce your benefit through an optional survivor benefit, but if the survivor goes on to live 15 years and save longer than what was anticipated in this calculation, they in theory could make much more money under the optional survivor benefit than they would have had they put this money aside or if they put the money aside and lost money in the markets.
There's a bit of uncertainty. It's maybe not gambling exactly but it's uncertain, yes.