 It's run by the state, not a federal entity like the FDIC, but there's still some backup if an insurance company fails. Yeah, some protection there just in case. Well, we're talking about annuities on today's show, including some myths and some things you may have heard about annuities. And our next Ask Dave question has to do with this. We have Joni from Louisiana. She says, don't annuities have high fees?