 who funneled their clients into these packages that had bigger returns for them that might not have been the best product? Well, that was always the auspices, that no one who's paid a commission can do the right thing for the customer. That's the absurdity. But that's stupid because if I'm getting paid a commission, I want to continue to do right by you so I can keep your business. Again, it's the Obama administration, and it was bull crap. It was supposedly in the name of the consumer, but it really... Well, now the consumer's going to lose more money over the long haul. Hello, hello.