 because I could probably list about five bad guys who do business in my market right now, yet they continue to chug along and won't cast any stones at anyone. They know who they are. And if they don't know who they are, they are really, really stupid. Like they just are operating in this world where, yeah, it's a good idea to put all of the little old lady's money in an annuity that's 15 years in duration.