 With it being a guaranteed issue, and I think with it being a benefit, they lowered the price on it so low that they didn't put enough in there to cover the insurance. Yeah, but it's just so expensive just for the insurance side. I know because she didn't do medical, but man. That's because variable life insurance is a complete ripoff. It's the payday lender of the middle class. But, you know, she's, and here she is 20 years later paying into it. I'm so sorry.