 from whatever it is they have. And they're willing to give up access to the money for it. That's where immediate annuities can come in handy. But James, the reality is, I find that only about 3% of annuities out there that people have are immediate annuities. Why? Because when you start talking about making a decision that's irrevocable, that you can never change, you can never access your principal, you can never increase or decrease your income,