 This annuity from Jackson National is really, really interesting. Step one, they have a 10% protective benefit each year. What does that mean? You're invested in the Standard & Poor's 500 Index. On your one-year anniversary, if you're down up to 10% of any losses you may have recovered. So if after one year you're down 5%, you'd be break-even. Or down 10%, you'd be break-even. If you're down 15%, you'd only be down 5%. So you have a protective buffer that really, really helps you get through any ups and downs in the market.