 pretty darn high commission. And so we found that there's a direct correlation to how much the advisor makes on it to how bad the product is for you. So again, some sort of an annuity, business development company, or a non-traded REIT, stay away from these things. They are toxic, toxic, toxic, toxic, especially when you can get really high quality, low cost investments that are tax efficient and they're abundant in the market right now. Why aren't these advisors putting you in those? I don't get it.