 fee structures and fee disclosures and things like that that are going on underneath there. We had to fight a lot of that back when I was in that kind of work. But the 401k itself, if it's all pre-tax money, you're going to be subject to income tax when you take it out. So that's one of the considerations to think about. Eileen's listening in San Diego, California. Eileen, good afternoon. You're on with Deacon Cabot.