 of Insurance Commissioners Conference. And here's a good thing. Neither Cheryl Moore nor Moore Market Intelligence sell or endorse any financial services or products. So she's basically a research company. She's not trying to get paid by anybody. Tom Hegda calls her one of the best sources on annuities he's ever talked to. So does Wade Pfau. These are two big names. We've had them on our show before. And we hope to have Cheryl on in the future again to talk about this in more detail. But we're going to talk about a book she came out with just recently,