 Now, the question will be, if Joe Biden forgives, say, $10,000 chunks of people's student loan debt, will they be expected to pay 20% of it? I don't know. I guess it depends on how the Joe Biden IRS behaves. Because they could go to all those people and say, you got $10,000 in loan forgiveness. Your effective tax rate was 20% or so. That's usually the federal. And...