 signature is, but they don't care about this, where they send out a statement that shows a price that's not real. It's not a real market-based price. And so that's the real bummer for me. And so stay away from these things. If you don't know if you have them, we'll tell you if you do. And then same thing, annuities, they don't have liquidity. They have extraordinarily high fees. They're tax bombs at death. And so one of the three, the common thread among all three of these products is they pay the advisor that sells them a