 Well, and the important thing to remember is that if you bought some stocks in a bond fund, they can't promise you a paycheck every month until the day you die. That's something that's very exclusive to an annuity. An annuity is the only instrument that will provide you a paycheck for life. That's very important, by the way, because the reason why I set up annuities for my clients is to make sure they have that pension like we talked about earlier, making sure you have a stream of income you can never outlive. That gives you peace of mind to approach retirement on your terms.