 And you're losing the opportunity to double that $400,000 or even double it again over the four-year period of time. So the time value of money dictates that it's far wiser to take the money out now than to wait four years. And if you can imagine, I put this money in in 2018. Didn't even think about it because it's really a very minuscule amount of money for me. $100,000 is nothing to me.