 Okay, immediate annuities can be lifetime or period certain. Now, what does that mean? Well, the coach is using all these words. Well, let's say you have $100,000 and you want to start taking some income from it. You want to get all that income back out in 10 years. So you get a pretty big check once a year for 10 years, and then the money's gone. That's an immediate annuity. You get more than you put in, obviously, over 10 years. Or you want lifetime annuities.