 Why don't you tell us what pre-retirees need to know about taking these from their retirement accounts? Maybe walk us through a few things. Sure. So we want to have an ability in retirement to access the money that we've set aside in order to support ourselves. It's kind of like saving for retirement was climbing up the mountain. And then once you stop and you're at the peak, you retire. And now the rest of your life is walking down the mountain where the resources you set aside have to be returned to you.