 can be tricky in the investment space. And with insurance products, by the very definition of insurance, you're transferring your risk from you to an insurance company. You can't do that with the stock market. You can't go in and say, well, I would like the S&P 500, but I don't want any of the downside of it. No, wouldn't work. If you could do that, it would change things, certainly. But for retirees, if stability is your goal, if protecting your dollars is your goal, there are certain types of annuities that these days