 Like I can't put it any other way. That's why there's a war on conservative investments. That's why there's a war on things like annuities. That's why you hear all the negative things. They're a trillion dollar industry. Annuities are a billion. They're the bigger bully. So they control the narrative. A lot of times all people need is, and obviously we have money in the market too, Randy. I don't want to make this sound like we don't have, you know, our clients have 30, 40% of their money in ETFs and things like that, you know, low cost market vehicles.