 We don't like annuities. We don't sell annuities. If you're working with a true fiduciary, that true fiduciary doesn't get paid before you get paid. That's what happens with annuities. You know, the commissions are, I mean, through the roof. If, I mean, even at 7%, somebody's trying to get me to put $500,000 into an annuity and they get 7%. So, I mean, don't think they're not incentivized. They're going to get $35,000 if they can get you to sign on the dotted line. And this is happening day after day. I just saw, literally just saw an article, Cheryl, that was,