 I love this misconception, right? It used to be back in the day that your dad, your grandpa, your great-grandfather, their investment portfolio was basically a 60-40 mix of stocks and bonds, okay? Well, annuities started coming into prevalence probably 25, 30 years ago, even though they've been around since the Roman times, okay? These are not new instruments. They've been around for a very, very long time. But the fact of the matter is that annuities are often misunderstood, right?