 Right. So what you need to do is find out what are you actually going to get per month, and then is there another annuity that provides you more per month for the same amount of money, or you can put in less and get the same amount of money. And we have software that actually evaluates up to 2,600 different annuity ratios out there. So you don't have to do this alone. We can find out for you, and if you've already looked at something, presented something, we can show you what it is, how it compares to marketplaces.