 I have all this money in my IRA. I've been that saver. I wanted to hit that million dollars. But when Lawrence and I sit down with these clients, and it happens frequently. Just last week, we were sitting down with somebody, and they'd saved about $4 million for retirement. But between his and her pension and their Social Security, they had more than enough money to meet their needs. So all of this money was just going to sit in.