 But make sure you're in the right place. This is really what I'm worried about. So with Joe, we sat there, we put some money in managed funds, and we did some fixed index annuity money. What's the differences? Why? Why would you do that plan? And as we did the family first retirement plan with the mark, what we did was, and the reason we did this, the fixed index annuity, what's the positives about this? A, I can never, ever lose any money. I share the upsides of the market. I have none of the downside risk.