 Well, the next one is annuities are complicated. I've heard this before that, boy, if you get into an annuity contract, they're going to plop something down in front of you. It's going to be 100 pages long. It's going to be full of legal ease. You're not going to understand it. And you really don't know what you're getting into. Yeah. I mean, is it more complicated than a stock? Maybe. I don't know what a stock is going to do. To me, that feels pretty complicated. I know what annuity is going to do because it's going to tell me.