 exactly as they would on a stock or an ETF or a mutual fund, meaning they've got paid no differently if they were doing insurance or managed money. They wouldn't be slinging these high commission insurance products. So what are you potentially ignoring when it comes to your money or maybe your life more broadly that you want to be true because it's too painful to accept it not being? What do you believe today that will be obvious a year or 20 years from now?