 then my retirement won't be as good. That makes no sense, guys, because there are other options. And those other options come with contractual guarantees. They're with financial institutions that have been around, in some cases, over 100 years, and they did not take bailouts in 2008 and survived the Great Depression. Now, these are some very, very strong strategies from some strong companies. Now, that's just concerning an alternative to bonds, okay? Again, it comes down to guarantees, and it comes down to increasing income in the