 You know, and you haven't had somebody do a review with you in the last two or three months. If you need a second set of eyes to go over your portfolio and look at that annuity and decide, is it a good one, a bad one or the ugly one? You know, and what should you do and how can you get out and what do we do to fix that? And does it have a floor? And all those questions are questions we ask.