 So, you know, you can't make the argument that they need a tax deferral because it was a non-profit, 501c3, they don't pay taxes. The exorbitant, ridiculously high fees, no reason to be paying those because it's a foundation, don't need any lifetime guarantees, any of these things that surround annuity. The one thing, the one person that benefited from this was the advisor selling them, getting paid huge commissions north of a million dollars in commissions. And so this is why financial advisors have a bad reputation.