 So you can never get out of them. They're complete garbage. They were missold. Everyone thought they were guaranteed. They were confusing. Again, they're not annuities. You have to have different licenses. You can't sell a variable annuity without a Series 6, 7? It's a 6 or 7. You need your Series 6 or 7 license to even sell a variable annuity. Whereas with fixed annuities and fixed index, you just need your health and life insurance.