 That financial fill-up strategy where when you reach retirement, you know with confidence that every single year, you're going to get a check delivered to your mailbox. We call it the green flag on the mailbox. All the way through retirement, even if your account value goes to zero, you still get your checks. And if you pass away, your spouse continues to get that same check until that spouse passes away. And if both of you pass away too soon, but if there's still money there, it doesn't disappear. It goes on to your next of kin, whoever you assign to get it when you two are not here anymore.