 increases in income, income that lasts your entire life for both you and your spouse, you don't have any control over the pension. You're just going to get that check, whatever that check is, maybe it's $1,200, $1,500 a month for the rest of your life, no matter how long you live, 30 years from now, it's still the same amount it was when you started. And when you die, typically your spouse is not going to get that income. Now, with these other strategies, you have control of the asset, you have a guaranteed income for life that you can also have joint income with for both you and your spouse,