I see a lot of retired prospects -- 50 to 100k qualified money -- used to putting them in fixed or index annuities or maybe bond funds with some stock exposure. .Couple of years ago I sold 5-year, 5 pct fixed annuities, quick and easy and everybody was happy. But with rates so low, what are you presenting that is a) right for them, and b) will sell.I'm torn. I think something dramatic is likely to happen with rates and the economy in the next year, so probably the best thing for them is to sit in cash for a while. Then again, rates might stay low for a long time.And yeah, I need better prospects. THanks.