 You literally would not pick an annuity if somebody showed you what all of your options are. The only reason people are choosing annuities is because somebody didn't show them what all of their options are. And the reason they didn't was so they could get the commission to sell it. Well, you know, the key word, I think, from what you just said is conversation. Because people want someone, I believe, that they can talk to, not just be talked at.