 And in the old days, particularly, that was true. In the skyline of the average city, when you drive in, there's two towers, there's two sets of towers, banks and life insurance companies. And who do you think built those? Well, it wasn't built by Santa Claus. You built it with your money getting screwed by those people in both cases. Yeah, so instead of $200 going to an insurance policy, she could have paid $30, $40 for a term life. Mm-hmm.