 If you think annuities are terrible, then you haven't been educated yet. I'm not saying you need to have them. A lot of my clients don't have annuities. That's okay. But I know one thing. We talked about peace of mind just a few minutes ago. The only thing I've got in my repertoire that's going to give you peace of mind where you know you're going to have that money in a good place is in an annuity. You know you can't lose the money. You know you're going to get income for life. And if you're a couple until a second is no longer breathing.