 We're in a industry, the financial services industry, that wants to tell retirees that you need income. It's not rockets. I mean, it's not a newsflash to the retiree that they need income. They don't have a job anymore. Social Security isn't going to cut it. We need some money from someplace else. We need income. So the financial services industry caters to that and says we can help you create income. They have lots of little creative ways to do it, many of which simply don't work.