 And again, I didn't think it was rocket science, all too hard to figure out. I thought to myself, what industry has created income the best of any industry out there? Well, the insurance industry. Think about it. They have to pay out on annuities, whether the market's up, whether the market's down. This is a guaranteed lifetime income they've got to produce. And there's a variable in there that they don't know. How long are you going to live? So they can't be cutting into principal because they don't know if they got enough or not.