 who had heard, hey, annuities have high fees. And you mentioned that specifically variable annuities do have high fees. And you covered some of those fees and explained how they can really rack up if you're invested in these variable annuities. But what else do our listeners need to know when it comes to fees and hidden fees inside these types of annuities that they might need to understand? Well, the so-called hidden fees are really in variable annuities. And they're