 fixed annuities. We've talked about immediate annuities. We've talked about variable annuities and a little bit about index annuities and why they're all so different. And Dave, you just answered a question from Jack, which I think is really important, which is how do I know if I need an annuity? Because I think a lot of our listeners might be wondering, hey, it might be right for me. It kind of sounds like that's an interesting option. How do I know?