 And when you're in retirement or close to retirement, you don't have that time to recruit on the back end of it. So far, we've covered fixed annuities. We've talked about variable annuities and immediate annuities. But there is a fourth type annuity, and we're going to cover the pros and cons in just a minute. I'm Sarah Samuels here with David Scranton, and you're listening to the Retirement Income Source, where it's all about the income.