 And so it's all about just having a correct withdrawal strategy, one designed to minimize taxes and penalties, keeping as much money in your own pocket as possible. I've never, ever, Luann, met anybody who's ever told me, even people who love the government, that they think the government would be a better steward of their money than them. So I tend to agree with that one. So let's do everything we can to keep our money out of Washington's hands and in our own pockets where we can spend it in the best way to support ourselves and our families.