 Aren't they? They give you these glossy brochures, and this is where the income comes from. But the thing that's important to understand is that you have a statement. You get a statement that shows a price of this investment. But that price is not a real market-based price. It doesn't trade in the market like Apple or Costco or all these other things that are publicly traded. It's just a price that is sort of made up. If you actually went to sell this product,