 Thank you for listening to Retirement Income Source, where it's all about the income. I'm Sarah Samuels here with David Scranton, and we are covering all of the different things about annuities, including the four different types annuities. Dave just answered a question from Brenda in Georgia who was asking specifically if her family would give up some money if she died before her annuity ran out, and that's why she wasn't interested in them. But Dave, you mentioned that she was specifically talking about an immediate annuity, whereas there are four total types, the fixed annuity,