 Is this like used insurance? But they were offering some ridiculous rates well above. Well above the four or so. Then you can get at a bank if you're a friend of the bank. You can get point one if you're not a friend. We've covered that territory. And there's a lot of this going on. And we want you to understand that most of the time these things are fine right up until the day they aren't. 855-935-TALK is our phone number. Give us a call.