 to what you or i could put people in oh yeah well they're they're of course it's going to be but they want to make themselves look like they're inventing a new concept which we've been talking about forever again it's a financial fill-up strategy make sure you have a lifetime income you can never outlive and the annuity is the only thing that can do that guaranteed i mean the insurance companies insure that money and make sure that it works like it should now yep