 Well, let me touch on this one for that purpose there, the education around annuities, for example, because sometimes you just got through mentioning, sometimes people say, I just don't want to be in the market or whatever the case is. And so maybe an annuity is the vehicle that they really should be looking at for trying to look at maybe getting some of the upside, but not having as much exposure to the downside. But yet they haven't been educated, so they think, well, I've heard annuities are bad, so I don't want to talk about it. Oh, they're terrible. They're just terrible. Now, listen.