 I'm Sarah Samuels here with David Scranton, and we've had a jam-packed show talking about annuities, including the pros and cons and some of the myths out there, some of the things that people typically hear when it comes to annuities. And, Dave, you brought up a really great point that they're a reason why they feel like they're something that's sold to you. They're more of a product. And it's usually because those people selling them, they're not licensed. They're not income specialists. They can only sell these annuities as life insurance. They don't have this. A lot of times. Yeah, a lot of times.