 They're brand new to the business. They're not knowledgeable. And all they're trying to do is make their money back for what they just spent on the mailers or the TV commercials. And they're not independent advisors. They're trying to push one company more than another. That's why they get celebrity endorsers to try to say, well, hey, call this number. Don't. Your name is resold to 40 people that don't really know what they're doing or care about you because they need to sell you something.