 misconceptions or objections or concerns I hear all the time is, well, people say, well, you don't want to invest in life insurance because it's expensive. It's got too much fees. Well, again, if you're going to invest the traditional method of life insurance, again, the least amount of cash, the biggest death benefit, you are going to have a lot of fees. Because think about this a minute. Where's the risk to the insurance company?