 So I could, in essence, take that money out and use it, say, like for home improvements. You can use it for anything if you pay the taxes on it. And there'll be the taxes and the penalty. There's a tax and a penalty both. But it's maybe a $10,000 or a $15,000 out of that $40,000 you're going to lose, but it's not 100%. So they don't take the whole thing.