 for you so dave you know a few minutes ago we were you were mentioning that fixed annuities in particular they're not fdic insured uh but they're they're maybe even safer than the banks why why are they inherently a bit safer than the bank's insurance companies and let's just take for now a fixed annuity versus a bank cd if you think about the hierarchy of financial institutions right most banks lend money to individuals right right they write mortgages car loans and things like that credit cards