 Well, Dave, it seems like annuities have a lot of people divided. Some are controversial. Some people really love certain types of annuities. So I think it's a great topic to break everything down for all of our listeners. And thank you so much for joining us today on Retirement Income Source, where, of course, it's all about the income. And annuities are a way to produce a steady stream of income. They are something that you can use in retirement to earn income. Right. And you, I mean...