 And that's what one of the commenters on Facebook posted to me, one of the pro annuity people posted to me. They said the annuities are great. And I said, yeah, for the salesperson. I said, they're great for the salesperson, not for the client, not so much for the client. And the people that have been in the industry for a while know that. The experts that you see on TV and stuff like that, they all know that.