 And one of the last things before we end this segment, I want to say, if you have an annuity that you got several years ago for this type of strategy, you may be able to refinance it. Contact us. Go to riskfeestaxes.com. We'll schedule a free call with you and see if you can refinance your annuity or maybe just work on the paychecks and playchecks strategy. And you can get that book, Mom Hegna, as well, if you like. Paychecks and Playchecks.