 And then obviously now they're a little upset because that person had an incentive. They got a commission to convince them to get into an investment where they knew that that client was probably just going to trust them and not read the fine print. So the fine print is very important. Interestingly enough, Cheryl, I read a lot of fine print. And so we're very, very familiar. So if you have any questions about what the fine print or somebody's telling you something that's just