 Now, Dave, you mentioned that they're not FDIC insured like the banks are, but you kind of equate them as such. Maybe you can tell us more about why they're similar or why they're less likely to default or maybe a little bit safer, some of these types of annuities coming up. Well, that's really a great point. In fact, coming up, we are going to talk about why inherently insurance companies should be safer than banks, even without that FDIC insurance. So stay tuned.