 So just like a CD or a bond, you get to choose. The user gets to choose what they want, right? Can you buy a completely accessible annuity? Yes, they exist. Can you buy a three-year, a five-year, a seven-year, a 10-year? Yes, you can buy all those things. What makes an annuity different than a bond or a CD is almost every annuity has 10% free access. So if you put a million dollars in annuity, that means you could take an additional $100,000 out almost every year.