 Welcome to Retirement Income Source, where it's all about the income. I'm David Scranton, here with Sarah Samuels. And today, we're going to pull up a topic maybe from about a year ago, and we're going to talk about annuities, the good, the bad, and the ugly. And for those of you who think that annuities are the worst thing in the world, you might be surprised. And for those of you who think they're the best thing in the world, you might also be surprised. Yes.