 You can also have things that were once appropriate for you but have outstayed their welcome. This could be something like a high-risk mutual fund that made sense when you were 43 but does not make sense now that you're 57. Dave, what if I had an annuity that I bought before but with interest rates where they're at now, it might be more advantageous to look at a different product that has a higher rate of return through the interest rate. That would be fair, would it not?