 Not only are you going to pay that 20%, 30%, 40% tax, you're going to pay 25% penalty. So all of a sudden, we're 40%, 50%, 60% tax brackets. That's insane. And Deb and Steve don't want to be in that position. You certainly don't want to be in that position as you go into retirement. And quite frankly, if you're 30% or 40% or 50%, you should be picking up the phone now and talking with somebody. Setting it up.