 Yeah, well, the people that are talking about your money being locked up, when you think about it, if you buy a stock, and I'm a money manager too, so when we tell people to take a managed account or buy stocks, that's about a 10-year time horizon. We say you really shouldn't touch your money for 10 years to give the market the real chance to work through its cycles. So, in effect, your money is locked up longer in a stock account than it ever is in an annuity because you do have that liquidity every single year with some of your money in an annuity. Not enough people talk about it.