 You know, you can get 18% with North American investments, you know, annuities, you know, a bonus plus another 8% guaranteed for 10 years. There's some great investments out there because the market's doing well. But when this client comes in, she specifically tells me almost every time, he says, my husband's money is all with that other advisor. And he always tells me, oh, yeah, he's got me in bonds, too. I know he's in bond funds because he's with Ameriprise or somebody, you know.