 Yeah, I understand. They don't make sense for me either, Coach. You know, the people that talk about the fees a lot of times are the people on the managed money side or the brokerage side. They talk about fees on safe instruments, yet they forget the fact that they're charging a quarterly management fee if they're a managed money person. When you look at 10-year period, you'll pay a lot more in fees on managed money than you'll ever pay on an annuity. Matter of fact, there's no fees, and most annuities have set up correctly.