 I want to jump back to what you were just talking about. Irene, you brought up a good point that I might not have emphasized in the story, but it was exactly what she was going through. She would go to these other investment professionals or brokers or however you want to say it, because it was at the bank and it was at independent brokerage houses and it was insurance brokers. They all sold her these vehicles, these things, but they're identical to what she already had. And none of them said no.