 That's exactly right. Now, here's what I'm not saying. I'm not saying every single person listening to the show or every single person that walks through our doors needs an annuity. We have a lot of people that come in and they actually have all the guaranteed income that they need. And thus, an annuity is not the right fit for them. In fact, when my team does planning for folks, we try to put the absolute least amount of money possible into an annuity.