 that outpaces inflation and also income that lasts as long as you do. That is key income that doesn't run out. Now, again, we have laddering concepts also for some of you that need larger amounts of income and you have more significant assets where we can help you with laddering concepts where you can have that $15,000, $20,000 a month income. And when that one runs out, you have another one. It's called laddering. There are different ways to use IPAs for guaranteed income.