 And you have to be over 59 1⁄2 if you want that money, the growth, to be tax-free. Right, the earnings. The earnings, yes. Earnings is when things go up, just in case people wanted to know what that was. Right, and so you want your Roth money to typically grow the fastest. Absolutely. How you invest a Roth, we think, is a very important thing to do. Having a Roth into a CD, we don't feel is proper because we like it to grow at a much faster rate than that.