 Yeah. In a year that's supposed to be the S&P 500, well, the S&P 500 was up 23% last year. Even if you put the cap rates and participation rates in it, this thing didn't pay them any money. The unfortunate part is that for them to leave, it's a 12.5% penalty for them to leave, and they've got to keep the money there for another seven years. So watch for that, folks, because these equity index annuities are just horrible. I'm just not a fan of them as a category.