 Up next is going to be Kaisa. Hi, Kaisa in Spokane. How are you? I'm good. How are you? Thanks for taking my call. Sure. What's up? So I have an annuity with a previous employer. I don't know anything about annuities. I've tried to do some research on them. I feel like I was left with more questions than answers, though, when I did that. The gist of it is that I have a $45,000 annuity with them and $50,000 worth of debt.