I know what an annuity is, but the word "annuitize" can mean different things. In Retirement Accounts/Smooth Withdrawals, ESPlanner asks the user to specify the percent of retirement assets to be annuitized. Does this mean the percent of assets to be used to PURCHASE an annuity in the retail market, or does this mean the percent that are used to SELF-ANNUITIZE, in other words to create your own set of regular withdrawals in a manner that accounts for inflation? Thanks!