 or benefit or guaranteed income or guaranteed anything. You could. Those are additional riders, Tom. Yeah, but the true variable is tax-deferred growth in an investment product. Absolutely. Okay, so it's like having a mini account, a mini stock account that you play with, and all of the earnings are tax-deferred. Correct. Nothing wrong with it. You can even have an advisor help you with it, right? Absolutely. Okay, so why are people so down on them?