 We're inventing something new. It's been around, like you said, since Caesar, the days of Caesar, back in the Roman Empire. Soldiers would go fight. Before they would go fight, they would go down to the local guy who, we'll call him the banker, and they'd give him a lump sum, and they'd say, if I don't come back, make sure my family is protected for life. That was an annuity, basically. Here's a lump sum. Protect my family for life. Make sure they never run out of money. Same thing has always existed, but then when we started making a lot of money selling people managed accounts, stock accounts, that kind of thing,