 But I don't think something could last as long as it has if it didn't work for hundreds of millions of people over history, right? I mean, if it was just something that was taking advantage of people, don't you think our industries and the SEC and everybody would have shut this down? The life insurance organizations who organize and govern over those things would say, hey, this doesn't look like it's working out for people. We need to get rid of it. But wait, they haven't done that.