 that you would have gotten typical nationally the typical variable is about 4.7 percent rate of return on an investment that not counting fees should be yielding north of 10. so it's an absolutely bad product but i cannot it's hard to fathom that you paid 20 years and only got 1500 bucks out of it that's hard to believe that's what it shows dan it's one of those things where i never really have you called them