 Number four, what do you so desperately want to be true? So much so that you think it's true when it's clearly not. And this can in some cases be driven by incentives. Which of your current views would change if your incentives were different? My pet theory is that sales on high commission annuities and permanent life insurance would drop by 95% if the commissions went away and instead the advisor just charged, let's say 1% per year