 And especially if you're really concerned about risk and even corporate bonds and preferreds give you a little pucker factor, then that's where annuities come in because they have even less risk of default than preferreds or bonds. James, I hope that helps. James, thank you so much for sending in your Ask Dave email. And if any of our listeners or YouTube viewers have a question that you want to ask Dave, all you have to do is send us an email to AskDave at RetirementIncomeSource.com.