 Well, you know what you're going to get, so there's that. That's right. One of us knows what they're going to get. You mean they don't say, wait until next year and we'll tell you what your commission will be? No, they don't do that. By the way, they pay the annuity salesperson usually up front, all of it, for the whole term. They pay them up front. And then if there's issues, problems, or questions down the road? They don't care. They already got their money. They're down the road. At that point, no oblie. Does the term ghosted mean anything?