 So we're talking about the difference in getting $17,000 a year, but you hope the bond interest rate hasn't changed when it matures to having a guaranteed increasing income that could be as much as $25,000 or more a year with that same amount of money that he used to only create $17,000 a year in using a bond. So again, it's important to know there are different strategies available. And again, I tell people all the time,