 tim something we haven't talked specifically about in a little while i'm going to go ahead and throw that word out there of annuities and folks don't don't move your radio dial please don't do that yet i wanted you just a little bit about a historical review here we've discussed before i think almost all the way back to the roman empire that annuities have been around for correct and and we got to talk about you know what what an annuity represents uh in in this context so