 to fund that long-term liability. So if you're the kind of person who says, I want some of my retirement money insured, I want it backed by either an insurance company or the government or the FDIC, well, that's when annuities can make sense for you. Because it's not that you haven't saved enough or anything else like that. It's just because you're conservative, you want to get the most interest you can, but you want some insurance behind it. So, Jack, I hope that helps answer your question. And, hey...