 Like Josh said, we handle the risk side and the safe side, but it's a combination. And again, when you put your money in annuity, no one's reaching into your annuity and taking commissions out. So that's very important to know when you do that. You have to have a real plan with a real planner who understands lifetime income. If you don't, you're not really having a retirement plan put together for you. You're having a...