 So there's all kinds of scenarios. My point to you here in this segment, if you have an old annuity, it is at least worth considering. Let's take a look at it. Even if you're one of my clients, I've called a lot of my clients, but I've got a lot of clients. Over the years of being on the radio, doing seminars, workshops, I've seen and have a lot of clients. So it takes me a while to get through my current clients.