text:  14.7, 14, 15, 12 and a quarter. These are all different safe haven programs where clients are locking in double digit returns and they're not incurring any fees or stock market risk. This is the big part. No fees, no risk. If the market had gone down instead of up, they wouldn't have lost any money. The market went up. They locked in these gains and they can't give it back. That's another factor.