 If you live to be 110, they're going to pay you every single year into retirement. But if you die after a year or two, the insurance company keeps the rest of the money. Those are good for people who are behind the eight ball in retirement. Where they're behind the eight ball, they don't want to extend their retirement. They want maximum income from whatever it is they have. And they're willing to give up access to the money for it. That's where immediate annuities can come in. But James, the reality is, I find that only 3% of annuities out there that people have are immediate annuities. Why? Because