 Thank you for joining us today on the Retirement Income Source, where it's all about the income. And we're talking about annuities. A lot of people have heard different things about annuities. Some annuities are more controversial, while others may actually be a good option for your retirement. So, so far, we've talked about fixed annuities. We've also talked about variable annuities, which tend to get a lot of hate. And Dave even explained why they're not great for those that are nearing their retirement age.