 than they were for the past decade. And then about, I don't know, 12 years ago or so, I stopped really selling annuities for the most part because interest rates had gone down so much. I understood that insurance companies could not offer much benefit or much gain to customers because they were not making much profit. But that has all changed. Again, it's the best time I've seen in my career. It's the best time in over 40 years.