 or they select them for you with a rubber stamp situation and you don't even realize you did it. But basically it's going into that. Then they take all of their fees out, and so you don't get anywhere near the return that you would have gotten. Nationally, the typical variable is about a 4.7% rate of return on an investment that, not counting fees, should be yielding north of 10. So it's an absolutely bad product, but it's hard to fathom that you paid 20 years and only got $1,500 out of it.