<prompt> Human: These are the annuities in question: To me, most of these seem like they completely limit potential upside while only providing partial downside protection. The other red flags I see are the 1.25 yearly fee and that these are variable-rate and could change every year.Im thinking that a more conservative asset allocation bond tenting could get them the same protection against variance without putting a hard limit on possible upside.Is there anything Im missing? My parents are about 5-7 years away from retiring.  <response>: Its not a bad idea, it is a horrible idea.Of course hes a nice guy. No one is going to make investments against their clinets interests if hes a jerk about it. 