 Because it's throwing away money. Right. And people do this with annuities all the time, but they also do it with other things like stocks and bonds. They'll wait until the stock runs way up and then decide they're going to buy it after the fact. I'm not kidding. People do this every day. They'll wait for a stock to go from $30 to $200. And then it goes down. And then they'll buy it. And then they sell it. Walk in that loss. Yeah, it'll go to $15 and all of a sudden they don't want it at $15, but they want it at $200.