 You know, they sort of got screwed and we try to help them as best we can. But, you know, once they've sort of bought these things, it becomes very difficult to unwind them. And so I'm bringing it up on the show so that hopefully when you get presented with one of these things, you grab your wallet and run the other direction. And then you say to yourself, wait, if my advisor is willing to recommend or put these products in my portfolio, is this the right person for me?