 immediate annuity where you put a lump sum in and they say, we're going to give you this amount of money per year for the rest of your life. And it could be a joint one, too, for the rest of your life. And if you pass away, your spouse continues to get it. I love that. So now we're turning the tables on the money world. We're putting ourselves in control, not having to worry about if the money is going to be there or how much it's going to be. You already know what it's going to be. All right. And then we have a fixed indexed annuity. Again, the money is not at risk. You tie your return to a particular index that the insurance company has selected or invented.