 Zero would have been your hero if you're one of our S&P allocations in a fixed indexed annuity. Wow. You know, the next year you had great gains, but you didn't lose a penny. I think that's the opportunity for a part of your money. Yes, Steve, I agree 100%. I mean, it's about options. It's about creating the three things I spoke about. Those are the whole solutions, what we call them, is the liquidity, the growth, the safety.