text:  why there's all the different options, but they're like, well, why wouldn't we just choose this one? This is going to get us the highest amount of money and we've earned this money and we deserve it. But what it means is that when that spouse passes away, that the pension is on, that life only is it's gone. Right. So it dramatically affects the outcome of the income for the surviving spouse because there's no more pension amount of money there.