 Dave, what else do you think our listeners need to know when it comes to annuities? Because we talked a few minutes ago about how investing the wrong way, potentially investing in variable annuities, how it can leave you dealing with a lot of stress. And if you're relying on that withdrawal strategy in general, when it comes to engineering income instead of actually creating it and generating it, it can be stressful in those years, even leading up to retirement, all through retirement, even through retirement.