 you know, your, your tax, your 10, 20, 30, 40% taxes, we're going to charge you a 25% penalty because you didn't take it out on top of the taxes. So now we're talking about having a silent partner. And if you forgot, especially if we think about this mom and dad, you know, as you get into your seventies and eighties and health issues become apparent or, you know, you have dementia issues or just, you know, I mean,