 Can you guess what the first name – now, annuity is the last word, is the last name for the annuity. Annuity is like – my last name is Daruda. Or is it Pete? Coach Pete, right? But I have two brothers, Bob and Jeff. So Pete, Bob, and Jeff. If one of us got in trouble, since we all had the same last name back in school, the teachers would think we were all bad because it's Daruda. Same with annuities.