 That's what the tool is. And like it, don't like it, use it, don't use it, but don't not use it because you don't understand it. That's probably the biggest message. I mean, listen, there's typically three different types of annuities. You have a fixed annuity, which for all intents and purposes works like a CD. I put money in, I get a fixed rate. When it comes due, I get my money back. That's it. No bells and whistles, usually no cost to owning it.