 These are the tools, like when you start giving jobs to your money and start defining what your investments have to do for you, it leads you down that path. Whether it's an annuity or something else is irrelevant. It's a matter of figuring out what do I have to have? We like knowns. I like to be able to sit across from somebody and say, you're going to get this amount of money in income for the rest of your life, no matter what. I can tell you that clients like that as well. That's why they're here.