 i think statement if they wanted to like pick it maybe the internal cost of annuities but annuities are basically underwritten bonds but they start you know treasuries that are then tied to the stock market and then you know guaranteed so i don't know what they're getting at here when i see the fee comment randy but at the end of the day i think it's just more hoopla and unfounded fake news coming from the financial industry because they don't know how to attack them properly