 And so I might agree with them. Say, yeah, you know what? That probably doesn't make sense in retirement. You don't need all these bells and whistles. You're paying for things that you don't need. Then in the middle, we kind of have that sweet market for retirees, which has been more the index annuity. It gives people kind of a combination. Like I could have some growth based on participating in the markets. But if the markets go the other way on me, my worst case scenario is a 0% return.