 There is no other reason than you're a giant scumbag and want to get paid a giant commission. There isn't another reason. I would challenge anybody to call our show and tell us another reason that they would be putting this into these annuities with fees that are north of 3% when over that time period, so think about it, global financial crisis, the money gets invested early 2010. Stock market's up 500%. They buy the S&P 500 index. Now, they're not going to do that, but let's say they did.