 You're listening to Expedition Retirement with Greg Ehler at Golden Reserve. And online, you can find us at getyourroadmap.com. If it's time to talk about your retirement, we are here to listen, here to help. And one of the things about that is the annuity discussion. It comes up. You want income in retirement? This is one of the vehicles that you might consider. But there's a lot of back and forth about whether they're good, are they bad? And one of the things that we hear regularly is,