 And then you mentioned the balance. So what you do is it's very important to balance liquidity, growth and safety with our retirement money. Yep. And that's where we have our buckets in our retirement money map where our bucket will say our safe bucket is typically what we're using right now. Our index annuities in the past, we haven't relied on them so much in the past. We've used bonds. But the problem with bonds is when interest rates go up.