 So, Brian, more than likely, and again, without me seeing this, but more than likely what your advertisement was, was annuities paying you 8.5%, and it might stay for 12 months or 24 months. And then with that, it's going to come back down to market rates or returns, and more than likely has a guarantee of about 3%. I'm certain it's a fixed annuity. Hopefully it is. If it's an equity index annuity, run to the hills. Run really fast. Get out of there.