 Same way you can start and add money to it if you want. You have 18 months to contribute more. More money put in, the more guaranteed income it will be. But in that one, you have to wait 10 years before you can turn on the income. You can take a distribution after a year and years 2 and 3 and 4 and 5, 6, 7, 8, 9, 10. You can walk away in the future. But if you want lifetime income on that one, it starts after the 10th year. So it's probably for somebody maybe in their early 50s or younger.