 But if you're a client of mine and I sold you an annuity 8, 10, 15 years ago and I haven't gotten to you yet, call me. Call me and I might look and run my team down in Atlanta, run the comparison. Hey, Joe, I can't touch your annuity. Here's why. You'll get a better understanding of what you have and you go, hey, that's a lot. I've actually had people go, wow, I didn't know that about my current annuity. That's pretty good. I'm going to keep it. Yes, you should keep that one.