 And these are the kinds of mathematical things you just have to look at where you're at and see. Now, if you could add more money to that, if you got more money sitting in your home and refinance your home, pull that money out or you pull it out of your 401k or your IRA or many other places people go to get money. And then boom, it's amazing how quickly this stuff grows. Next email says, Del, thanks for your help in the past. I know that you don't like the 403B or the 457 self-directed investing and you generally frown upon it.