 Right, so this is the thing. If you had a national program where everybody was automatically put in retirement, why wouldn't it make 100% of us save? Well, here's the answer. The low-income folks are much more likely to be gig workers or farm workers or to be self-employed. And a lot of them don't get W-2s. Their jobs aren't formalized. And a lot of those folks, you just can't really rig up an individual retirement account for them.