 what, you know, how the thing works and does it make sense for you. And hopefully you have an income specialist who's able to educate you about the universe of income generating options, which include many things, including annuities. And then, you know, with that information, you can make good allocation decisions because you now know, you know, what the pros and cons are of each one. And it's easier to decide whether annuity is right for you if you're educated versus sold something.