 So is this a good annuity for someone that is nearing retirement or in retirement? It could be. It could be. It doesn't have the problems of the high fees like you have with the variable annuities. And it doesn't have the problem that the immediate annuities have where you're irrevocably giving up your principal. Yeah. You can't increase your income with immediate annuities. You can't increase your income, decrease your income, stop it, access the principal, no options. It's completely inflexible. So these are good for some people that are retired who want to be conservative. Yeah.