 There's one really bad annuity. It's called a variable. The first name is a variable annuity. That puts your money at risk. There's a lot of fees and commissions can come out. And there's no guarantees that you can always go up with the market. When the market goes down, you go down there. But there's some annuities that are really, really great. There's annuities that are structured annuities that will pay you, let's say, 5% or 6% per year, like a CD, for five years, six years, ten years even.