 This is all about taxes, Morgan. You get to put money into an HSA and deduct that off of your income. So you actually get a tax benefit up front by lowering your income by making the contribution. But then if you go and use that money for health expenses, you can actually access it 100% tax-free, including the growth on that money as well. So HSAs, while they are primarily used for health care, I think one of the most important