 But called in, he had an annuity. And we were looking at his other finances. I said, how long? And in his case, it was out of surrender. It's not always the case, but it was out of surrender. And I said, it showed right on his statement that if he turned in, come on right now, a little bit over $20,000 a year. I said, I don't know, but hey, let me do it in comparison. Have my team in Atlanta do a comparison and see what we can come up with. I don't know. I don't know if we can beat it or not. You might have the best one ever.