 or maybe some of the money you have in the market that's not performing the way you want, or you just haven't locked in where you know you are comfortable with the monthly amount of income you're going to have in retirement or currently have, and you'd like to take some of those assets, turn them into IPAs, income-producing assets, and you would like to use a portion of that to fill the income gap, whether you used a 47% bonus with one strategy or the 32% bonus with a different strategy, same financial institution,