 Things like that, they're illiquid. We have to look at what kind of money you have. When we look at 401ks, they're illiquid for a while, but getting close to retirement, especially if you're over 59, your 401k becomes portable where you can move it into a place where you can have lifetime income. A lot of people didn't realize that, haven't been told that. Many times that's done on purpose because the money world doesn't want that money to leave the place where they're making management fees to go to a place where they can't charge management fees. How important is it to have a lifetime income