 Yep. And that's an excellent point, Dave. You know, on a lot of people, that's why we push that you should be working with an income specialist. But our next ask Dave question actually has to do what you just said about annuities being sold, essentially. So Michael from North Carolina, he says, I'm nearing retirement. So I've been to a lot of seminars and it seems like everyone just wants to sell me an annuity. Why is that? All right, Michael. Well, a lot of it's going to the seminars. You have to