 Well, what's interesting, Coach, is that I did some market research and found that annuities that are sold by commissioned salespeople are actually more consumer-friendly for the client in the long run. Yeah, because when we offer annuity, and I make sure to say this on the show, when we offer annuities, we are compensated by the insurance companies, not by the client. In other words, the client puts $100,000 in, $100,000 out.