 But the problem, though, is that because they're net worth-based, they're not income-based. And in later years, sometimes they have to jump through hoops to try to generate income. For example, a lot of affluent will either sell assets, sell stock of their privately held company or even a publicly traded company and pay capital gains tax and sell principal and spend it in chunks, which, as you know, Sarah, we talk every week on the show how that's not the right strategy. It's a bad idea.