I suspected as much but in the event he was being serious, I wanted to give a constructive response. But I agree that some companies are coming up with ridiculous plans. We have straightforward group plans, but our international life products are next level…I think especially when you’re targeting high net worth clients you want to sell them on the idea that they’re securing generational wealth using a method no one else has access to…it’s all about luxury and exclusicvity for these millionaires and they’re willing to pay a premium