There are a lot of moving parts with annuities.

What you're really looking at is some of the things like housekeeping services, somebody to cook the meals, somebody to do the laundry. There is a cost to replacing that.

There's a lot of moving parts to it. It's all part of an equation.

We've got a few moving parts. I wish it wasn't quite this many.

I'm not a big annuities fan,

The problem was . . . unique, because of its scope and because there are so many moving parts.