 You know, is he, you know, what Tom Magnet calls him, a fake fiduciary? He is. Because you think, you know, in reality, he's building an annuity for himself, right? Of his clients. Yep. But he doesn't want you to have an annuity. And I've seen people over the years, they put all their money in the market. Any market is a great place for long-term money that you can afford to wait 10 years. But even if you just look at the last five years, December 2018 market was down...