 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? That would be fair. The other thing with annuities are, and specifically what we call index annuities, index annuities, what they do, folks, is they track with an index. They might track with the S&P 500. So here's an example.