 I said, what we'll do is we'll make a beneficiary change on the forms. And let's just say, God forbid, that something happens to you and your wife and your son. Then what will happen, because it's a bloodline, it's called per stirps. It's a crazy word, but it's called per stirp. Then the money would go down generationally. That's the key to an annuity. It's protected. It's insured. It's that you're taken care of. And it also gives you guaranteed income for life.