So the word annuity just brings up, some people think it's the most evil thing that's ever been created on the face of the earth, there's people who advocate for it dramatically and think it's the greatest thing that's ever been created, and what I try to share with people, and again our show is based on education right, we want to be advocates, we want to educate, we want to start conversations, we want to clear up misconceptions, things of that sort.