 That's a good thing. And you already say that about pension and social security. Well, create your own pension, your own social security by doing an annuity that might work for you. It's not for everyone. Just like social security is not for everyone. And if you don't really need an extra income right now, you really, really don't want to spend the money, but you are concerned about market loss, there are options to put it there. And it's not providing you a guaranteed pension. It's just providing a guarantee of principal.