 An annuity is going to give you an income stream. It's like a pension. If you don't have a pension, let's say you retire from somewhere, you don't have a pension. This is a way to get an income coming in for the rest of your life. I mean, it's not magic. You know, there's tools that we want to use. There's different annuities that we want to use. But I think insurance is a good financial hedge against risk.