 You got the salesman's pitch down, man. So what you're saying is actually not true, because if you put it into a Roth, there's no taxes on it, and a tax rebate is just a cost savings. It's not a return on investment. Right. I'm not factoring in the tax rebate on anything as far as... You said a 7% rate of return was the tax credit. Oh, no, no, no, no, no. I'm saying, so like...