 So a lot of the folks that are down on them are usually approaching retirement age. Yeah, and you don't want to do that close to retirement. Correct. Most variable annuities are expensive, quite honestly. Okay, the fees. Yes, most of them. And do you pay per trade as well or not? You can. There might be transaction fees associated with the mutual funds that are associated with them. But most of the variable annuities, those will range anywhere from 2% to 4% in costs per year. Per year of the account balance.