annuities have such a black eye with many investors, and i'm sure many listeners to the show, and also paula and lotaways you and i, ther there are many annuities that are chalk full of fees. We're actually talking about creating a pension fund for them that they can't outlive, period. It certainly takes away the freedom from needing to worry about a complex investing strategy and parrots handling it. If michael isn't able to there's nothing to handle.

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