 Billions of dollars of annuities are being exchanged. You say, oh, Mark, that'll never work for me. Mine has penalties. I understand. They all have penalties for early withdrawal. Guess what? We're seeing IRA annuities being exchanged for new IRA annuities, and the client is better off. Now, these have to go through suitability. There's long regulations around it. But imagine you currently have an annuity with $500,000 in it.