 Ralph, some of the things that we ask people about when we sit down to talk with them is, what is your plan for dealing with your qualified funds? And sometimes we'll get a blank stare and say, what do you mean? And I'll say, well, you know, you've put this money away into a qualified account. And the word qualified means that it's qualified because there's a government law. There's a law on the books that allow you special taxation.