 Yeah, you can go to Scottrade or whatever, right? How do you know what to invest in? Right. Now, maybe you do know what you want to invest in, and that's fine and dandy. But if you want to look at the other side of the equation, the safe money side, then that's a totally different ball of wax there. There's no way you can understand or even know what these instruments are, and you can't buy them on your own anyway. You have to buy them through either a broker or someone who has insurance license. Right.