 two or three or even five years ago that wall street firm would have never even inked into annuities they can't say the word annuities because they've bashed them for so long so that's the thing folks when you hear these sayings guaranteed income for life money you can never outlive just know that we've been specializing in annuities for years and if you hear those terms they are going to be talking to you about annuities just an example all right let's get back on topic here trey i know you've done some research on this later on in the show i'm going to talk about six mouse traps