 So, Dave, you know, a few minutes ago, you were mentioning that fixed annuities in particular, they're not FDIC insured, but they're maybe even safer than the banks. Why are they inherently a bit safer than the banks, insurance companies? And let's just take for now a fixed annuity versus a bank CD. If you think about the hierarchy of financial institutions, right, most banks lend money to individuals, right? They write mortgages, car loans and things like that, credit cards.