 But is there better annuities out there in the marketplace right now? In some cases, I tell you, I can't beat you. I can't touch it. My team runs an independent comparison report. And they come back. If I can't touch it, I tell you, hey, dude, that thing is smoking. Or it's 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 consider.