 So you can think of a fixed annuity as really almost a glorified CD. There's a fixed amount of time. There's a fixed interest rate. Pretty cut and dry. You know what you're getting into. You know how long you're getting into it. And you know how much you're going to get paid for doing it. With a fixed indexed annuity, there's the fixed interest rate available to you. You could always choose that. And you make your decision once a year. Do you want to go with the fixed rate?