 And certainly that's necessary. But I always get a kick out of Ken Fisher and all those guys who say, you know, I'd rather die and go to hell than buy an annuity. Well, you know, one, I kind of think that's sacrilegious. But two, you know, is he, you know, is what is Tom Magnet calls him a fake fiduciary? He is. Because you think, you know, in reality, he's building an annuity for himself. Right. Right.