 Brian, it's one of my favorite accounts. It has to be. It's one of the most underused accounts out there as well because most people don't realize with an HSA, you're getting the benefit of both an IRA with a tax deferral. You're getting a tax benefit immediately with a tax deduction. You get the tax deferral. But you also get the benefit of a Roth where it can come out tax-free if used for medical. And