A lot of people thought we were crazy for getting into the annuity business. What we tried to do is pull out all the things in a variable annuity that people don't like. They come to us for more choices.

When you read about the debates, and people who talk in absolutes that annuities are terrible or the greatest thing, they're really neither. There's no such thing as an all-bad, or all-good, investment. You have to look at your overall investing strategy.

I never thought we could do that. But anything is possible in sports.

If you already have an annuity you don't have much choice.

People see business opportunities we never even dreamed of.

We're in the people business. It takes people to take care of people.