 If you want it guaranteed for your life and for your spouse's life, you're going to have to accept a little bit lower yield, but you can get it guaranteed for your wife's life also or your husband's life. So it's a great plan. I want you to consider it. If you want to get information on that, just dial my hotline number right now at 877-CALL-GILL, 877-CALL-GILL. My number here today is 922-6680. Let's go to Brian in Parkville. Hi, Brian.