 then every single investor would own it. If anything were all bad, it couldn't exist. There wouldn't be a market for it. So as in most places in life, the truth lies somewhere in the middle. It's not the extreme right. It's not the extreme left. It's kind of sort of in the middle. Yep. And I think most people tend to understand that they have to give and take a little bit, and it's determining what they want to give and what they want to take, essentially. That's right. That's right. Well, I'm anxious to hear our Ask Daves and see what kinds of things that people have, what kinds of questions people have about annuities. Yep.