 You know, somebody there helping you manage the money. You need to have somebody there to service the clients and to be able to do reviews with clients. Because when there's annuity, it's like set it and forget it. You put your money and you don't have to worry about it. And so a lot of advisors either don't have the knowledge to manage money or the financial bandwidth to hire the people. Just don't want to do it. So they might have the license so they can say they can do everything and they can talk to everyone.