 We can do what they want and what they, you know, you hate to say this, but you want and need with the current plan they have with a lot less risk. And I think that is the magic. And the reason this doesn't happen, people are like, well, if it sounds so easy, Greg, why doesn't everybody do it? Because that's not how people get paid, right? Like financial advisors get paid for your money to be in the market so that they can be taking risk and charging their 1.5% or 1.25% or 1% or whatever they're charging.