 And it depends if it's an inflation adjusted or not. It doesn't matter. They're going to say, look, on a half a million, we're going to give you, I don't know, I'm just going to throw some random number. Could be whatever, 30,000 a year. You're going to get that for the rest of your life. If you live to 105, you're still getting the $30,000 a year. So that's a SPIA. Now, what does that do? Why would this John, one of our YouTube listeners, want to do that? Because he wants to go play. He wants to spend money.