 the penalty you just paid, in fact, you will actually come out ahead by $200. So basically, you're going to get paid $200 to transfer the funds. So okay, so that makes it a wash. It's a good deal. But then the individual I was talking to said, well, what about the 16%? What if I commit to that? And I said, well, let's do the math. And I said, if you do that, then the 16% bonus, did I say penalty? The 16% bonus is