 So there are some good ones and there are some bad ones. So be careful for the invented indexes many times, but sometimes there's good ones. And using what happened the last 10 years isn't going to help you for the next 10 years. Past performance does not guarantee future results. The good thing to know on all three of the annuities we've mentioned so far is no matter what happens to the stock market, you never lose your principal. Your principal never goes away. No risk. And no fees. Not a single fee comes out. And no commissions come out of your money.