 and who likes selling contracts versus a contract and then you get into the annuity and you've got this contract and people aren't reading the contract. And so what they're doing is they're taking the advisor's word for what's in the contract. And I'm sure they seem like nice people and everything else and then what happens is, I don't know, six months later or a couple years later or five years later, then maybe they heard us on the radio. Then they come and they sit down and we're having a conversation and they go, well, I was told