 Usually, and that's assuming that they are putting something into the 401K since they don't have to put something into the pension. If they give you that option, usually they're doing some kind of really sweet match in the 401K, and the company would rather you go to the 401K. It's better for both of you, the company and them, because the company doesn't have to keep up and manage your investments. Your 401K is your own investment. So that's a good point, George, very good point. Ryan is in Baltimore. Hey, Ryan, welcome to the Ramsey Show.