 Another one is called an accumulation annuity. This is a piece of money that's buying options on the S&P 500. It gives you ultimate downside protection, no annual fees, and a potential upside right now as much as half of whatever the S&P 500 does. That's powerful. Another one that we discuss is this idea of covered calls. That doesn't give you as much downside protection, but it gives you income even in down years in the market.