 and the growth and it's and then it factors in your lifetime distributions that's the simplest way for me to describe it a portion of it will be taxable and a portion of it is is already paid taxes on it that's right all right how about oh you know the other thing too happens with the annuities is you forfeit stepped up basis like if you if someone if you pass on assets to an heir uh the tax disappears in most cases but if it's an annuity