whatever it is. how does the insurance company make money by doing this? . it s simple. it s kin to the way a bank operates. you pay a low rate and lend out a higher rate. what the insurance companies done, they invest mostly in corporate bonds. they re making 4% or 5% a year now. they re paying the dependents and survivors of federal workers one-half of one percent. so we re talkingd=uq more than a 300-basis point spread there. we report in the that met life alone is making 100 to $300 million a year in the spread. it s something that s been boasted about the cfo of metlife of conference calls to investment analysts. i don t think they understood what he was talking about when he talked about the total control account as being a low-cost source of money. mark, nancy, have you talked to other families that have gone through this? do you have a sense of how many