 that you can use that bonus to help get you out of a program that you're already in that you might not be very happy with. So I'll give you an example. I had a call from someone who had a program, still does. They haven't done anything yet. It's only been this past week. But they have a program. It's an older program, and there's about $62,000 in the program. And if they leave now, there's a 6% penalty.