 is an income annuity. I mean, basically, when annuities get such a bad rap, it really bothers me because in its simplest sense, a pension is an annuity. And people love pensions. They wish they had them, but they frown upon annuities. Well, just as you insure your home, it may also make sense to insure your retirement income that's going to support your lifestyle and keep you in your home.