 The money world said, hey, we can make more money charging a quarterly fee, and then even if people don't make money, we still make money. So if you have a bad year or a bad month or a bad quarter, the broker still takes his quarterly fee out. Whereas when we're in annuities, the right ones, fixed annuities, annuities that don't go up and down with the market, you never have to worry about losing money, and you never have to worry about somebody reaching and taking commissions out of your money. Josh, it just makes sense as a part of a balanced financial plan to take the worry out of living in retirement, doesn't it?