 And just be careful of the fees. One of the things that we've seen with that is there's some very high fees in some of those annuity contracts, maybe more so than you would ever imagine if you were investing it on your own through other mutual funds or ETFs out there in terms of generating income for yourself. And the rule of thumb is never buy an annuity that you heard about at a lunch or dinner seminar. By all means, just stay away from them.