 Okay, and I just can't do anything with it right now. What does that mean? Sometimes it's surrender charges. The penalties for moving the money over. All these things have to be considered. How much income do you have? What is your age? What is your marital status? If that guy's newer annuity was only going to throw off like $21,000 versus $20,000, I'm not touching it. I'm not messing with that. I'm not going to move it over for a few more bucks a year.