 bring in some great guests into the program and you've got someone else with us here today. We have an author who I've followed for years. Her name is Cheryl Moore. She's president and CEO of Moore Market Intelligence. She's co-author of the Encyclopedia to Index Products, Annuity and Life, and her research and articles are regularly featured in a lot of different insurance trade publications and also Forbes, Fox Business, Wall Street Journal, New York Times, and a lot more different places. And Ms. Moore works closely with regulators. Her research is regularly presented to the National Association of