 ran the numbers, came back, and the new annuity out of one, I gave him five examples, five different companies, and one of the companies threw off $31,000 and some change instead of $20,000 and some change. I go, that's kind of a no-brainer to me, but it's your money. What do you think? That particular annuity did not have a long-term care rider on it. If he wanted long-term care, the next best option would give him, I think it was about $28,000 a year, but it would give him a doubler for long-term care.