 their household net worth by getting rid of something. It's unbelievable. I've never seen something like this in my career. It's like the perfect storm. For this right here, it is absolutely the perfect storm, and it will not last. You need to take the annuity challenge and get a full review done on whatever annuities you have, no matter how new or how old they are. At least get it done, and again, it's 100% free. Dave, I think it's time we open the phone lines. It is. Let's do it.