 Now, annuities, good word or bad word, depending on who you talk to. I mean, I've been in this financial arena now for over 32 years, and I've been licensed to offer all the different annuities in this time period. Now, there's some really, really good annuities, and there's some horrible annuities. There's one annuity I have never offered, even though I've been authorized to offer it,