 It's an absolute horrible set of mathematics. It's the worst investment product on the market by far. The only people that sell this stuff are the people that sell this stuff. They're the only people that believe in it. I mean, all the rest of the financial world looks at this and goes, oh my God. And it's just, it's trash. So yeah, you need to do your investing in real investments, not in something that has a poor rate of return. And when you die, they keep your money.