 and go in anyone else's pocket. That's right. No fees, no risk, no commissions, okay? I like the sound of that, Coach. And that's the three annuity brothers that are good, or sisters, whatever. But then we have the black sheep of the family, the one that gets people negative about annuities that I've seen in my life over the last 32 years, because I've been licensed to offer these for the last 32 years, and I've never offered one of these called a variable annuity. And it's just as the name sounds.