 An annuity is actuarially written differently. It's like a CD. So when you buy a CD, Randy, and you buy a CD that's like 5%, do you get 5% minus your fees or do you get 5%? No, you get 5%. Yeah, you get 5%. And the reason being is they've already factored in the cost to administer the CD, to sell it, to administer it, to obviously get it all done. The same goes with annuities.