 So it's really about educating people on it's really not the rate of return that's the most important is what is the end result? Meaning, are you going to get a guaranteed income from this? That is a certain number that you can't outlive that will be there for your life and your spouse's. And sadly, if things don't go right, where does the rest of the money go to? It should go to your kids. It should go to your estate planning.