 Well, really the most common type of annuity historically has been a variable annuity. And variable annuities do have fees. And sometimes the media just tended to assume that all annuities are variable annuities. And today, variable annuities don't sell as well as they used to. In fact, index annuities are about to eclipse variable annuities on sales, and they don't have fees largely. So it's a really huge misunderstanding.