 You have a guaranteed income stream for the rest of your life. And that's what we do here in order to build the what we call a balanced portfolio. Number one, it starts with income because there's no retirement without income. We need safety and we need some growth and definitely some liquidity if there's an emergency or an opportunity you want to take advantage of. So all these factors come together, Amy. But to give you the confidence that you need, you have to have clarity.