 At the end of the day, I'll make it very simple. There are annuities that probably have a lot of complexity. We don't sell them. But if it gets too complicated and you don't understand it, don't buy it. If you don't understand it, don't buy it. If it's not very clear what the risk is, how the growth is gauged, like most annuities, 90% of the annuities that we see work like this. They say, do you want a fixed rate? You're like, all right, what's the fixed rate? It's 5%. Okay, that's what I would have that year. Got it. That's an option. The next option is, do you want to ride the S&P?