 is very specific. And it's very, very different from what they understood from the person that was selling it to them. 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.