 that isn't based on the market performance or past performance of it. There's a lot of different financial vehicles that are designed for people in retirement. I don't feel there's one fit that's better for everyone. There's so many different things. But what I do feel this caller needs to do is have a conversation with me so I can understand exactly what they're wanting to do with that $40,500. Meaning, do they want it in something that's 100% safe?