 usually to give you an income protection. But now when you throw that rider on, the fee can go from over 2% to as much as 3% or 4%. So when you hear that annuities have high fees, people are talking about variable annuities. The other annuities, generally speaking, have no fees. Now you could put riders on annuities where maybe you can have a fee, but for the other annuities, there's generally no fee that's actually built in. So Joni, I hope that helps clarify.