 So let's say you end up pulling $40,000 out because we just got rid of $40,000 with the scholarship idea. You know, you might have $5,000 in taxes. It's 10%, yeah? Is that the rate? Yeah, on the growth. Yeah. Yeah. So I could, in essence, take that money out and use it, say, like for home improvements and things like that. You can use it for anything if you pay the taxes on it. And the tax isn't a penalty. There's a tax and a penalty both. But it's maybe a $10,000 or a $15,000 out of that $40,000 you're going to lose, but it's not 100%. Yeah.