 And Dave, we also talked about a little bit a few moments ago that I need and I want goals. And you mentioned a lot of times people want to fund the I need goals. Those are the bills that have to get paid with the more conservative investments. And the I want goals, maybe they take a little bit more risk with those. That's right. And I mentioned bonds and preferreds. And of course, James came in with the question about annuities. Annuities, a left field.