 Joni, thank you so much for emailing in your Ask Dave question. And if you have a question that you want to ask Dave, all you need to do is send us an email to askdave at retirementincomesource.com. Thank you for spending some time here with us today on the Retirement Income Source, where it's all about the income. I'm Sarah Samuels here with David Scranton, and we are covering everything you need to know about the annuities, including the four main types of annuities. So, Dave, you just answered a question from Joni earlier.