 Hey, Brenda, thanks for the question. Great to have you here asking us on this show, the good, the bad, and the ugly about annuities. What you're referring to, though, is really one type of annuity specifically. And there are four general types of annuities. So what you're referring to is something called an immediate annuity. So, Brenda, an immediate annuity is when you give a lump sum of money to an insurance company. And in exchange for that lump sum, you get essentially a pension. You get a monthly income stream that's guaranteed for life.