 Well, again, the one first factor is very black and white. It's very left brained. It comes down to, hey, have I not saved enough? You know, if I need to spend down some principal in retirement, at least let me have somebody guarantee that they'll pay the income if I deplete it all. Right. So they're looking at having to use, unfortunately, the engineering income. But since we already have to do this, this terrible thing and engineer income, at least you can insure it. So there's a little bit more safety there with that strategy.