 You know, you think years ago, I've been doing this 40 years now, June, 40 years I've been in this business. 20 years ago, if somebody had come in to me with $20,000 in the bank, we would have been scrambling to invest it. $20,000 in the bank right now of after-tax money is not a lot of money. No. So that's a great one. All right, another tip I've seen on my shoulder here. This is a really good one.