 And the beauty of all this, too, is because I deal with both. Not many advisors do, just so you know. I started out my career 25 years ago as an annuity producer, a retirement guy. And I, after a few years, quickly became, rose up the ranks, so to speak. And for, well, four years in a row, I was top 10 in the country in annuity sales. And annuities were a lot stronger back then. We're going back 20 years ago now.