 And they make promises that you're going to get rates or returns with the S&P 500 and that whole bit, and you don't. And then you're stuck with it for a long time. In this case, these good people had annuities, and one of them, expenses and fees. The equity index annuity is supposed to be getting money like the market, and it didn't. Last year, it paid them a rate of return of 3%, but the fees were 3.3%. Huh. How does that work? Yeah.