 That's just insane because if you listen to this show at all, not even regularly, just even once a month, you know that trying to engineer retirement income from principle is one of the most cancerous strategies you can embark upon. The only secure way to do it is through living off the interest and dividends and not touching principle. When they put these riders on a variable annuity, Sarah, they're basically using that cancerous strategy saying, we're going to sell shares and then give you this insurance when it doesn't work out.