 Well, here's what it would take to ever have an environment like this again. We'd have to see these interest rates fall dramatically down. They're going to. And then shoot back up. Then they'd have to go way back up again. I don't know that we ever see that in my lifetime. So you're finding opportunities in this environment. This is the craziest thing I've ever seen. I'm seeing clients exchange annuities they had two years ago.