 And so we get on the phone, make the phone calls, try to figure out whether or not we should take the lump sum or do you take the annual or the monthly income from it. And we haven't determined that. Here's the problem, too, by the way. Here's a side note. When you get lump sum values right now on pensions, the lump sum values are going to be lower than what you had seen two years ago. And the reason for that is because interest rates are higher right now. And what that means is for a company that is managing or even a state that's managing a pension,