 Right, yeah, it's hard to comprehend for the average layperson. That's right. But see, in my mind, there's very few things I take exception to that I really don't like in the industry. Variable annuities are one of those that I'm not a big fan of. So let me start with where I think variable annuities can make sense, okay? At your age, Sarah, if you've maxed out your 401k and maybe you've maxed out your Roth IRA, if you could do one, right? And now you want more money tax-deferred for retirement.