 You've got to do your homework. You've got to ask questions. And, Brian, thank you for asking questions. I hope it helps you to do more investigation and work on it. But there's a lot of stuff and junk that's just out there now that just hurts people. We had some good people that came in to see us this past week, and they got stuck with equity index notice. And, folks, if you know the show, I'm not a fan of equity index notice. In my opinion, they're sold by insurance agents.