 And he asked me about it because if, I mean, my record's out there or whatever. I mean, I do have a license to sell annuities. We just don't. It's just not in our business model to do that because we don't believe that that's what's right for individuals. So very good question. He said, so listen, if you're a true fiduciary and you don't sell annuities, and this other person's telling me that, hey, anybody who's licensed to sell annuities can't be a true fiduciary,