 and you lock that gain in, it gives you a lot more confidence to approach retirement and flip on the income switch, which gives you a lifetime income you can never outlive. That's a true retirement plan, is having income that lasts for the rest of your life and the rest of your spouse's life. Any other plan is just a financial plan without a goal. The purpose and the goal is to make sure we have lifetime income. If you don't have that built into a retirement plan, you don't have one. If you're listening now and said, I don't need that, well, then you're not going to be a good fit for us anyway, because we don't let any of our clients leave without having lifetime income they can't outlive.