Yeah, sure. I think the first thing, Terry… And first, it’s great to be here, so thank you. Retirement is a big topic. Annuities are a big topic. There’s many types. So, when we answer that question or I answer that question, I tend to think about, well, what’s the purpose? What stage are you using an annuity for? We tend to divide it into three. So, one is you’re saving for retirement, and there are some uses for annuities to do that. Some is transition to retirement. You want something stable that provides a guaranteed return that gets you to the retirement date. And then, I think the big one probably that most people think about is annuities for income in retirement. So, starting with that goal first is important, and then that really, to me at least, helps break down this annuity question a little bit more clearly. Start with where are you in your retirement time horizon there, and then what are you trying to achieve. So, Terry, I hope that helps as a way to start. Then after that, if we’re talking mostly about that transition to income in retirement, the thing that I try to focus on the most is that it’s not an either/or decision. We tend to think of tools. If you have… There’s this old saying, if you have nails, you go get a hammer. In this case, you can use the two big tools, which are your investment portfolio, which hopefully you have, and the second, which is annuities, which really are a form of insurance. It’s one way to think of them. So combining those two, we can talk about some of the pros and cons of each, but that tends to be the approach I recommend. It’s sort of what does each do and how they work together.