 So some other options to consider is sometimes you have some indexed annuities that grow the money. It's protected. It can get some growth, but they also have some long-term care benefits with it. So that's a big advantage, and it's kind of like growing the money. If you have some of the money, and I ask clients, if we had some of your money in what we call the protected income where you can still grow it and make sure it's still going to be there,