 I just want to make sure he wasn't thinking about this as an alternative to... He was, and that's the other problem. It's not even on the same spectrum of investing. Just do your investing and then say, am I going to buy something else that gives me a break-even? Am I going to buy, I don't know, a car that saves me on gas mileage? They're two separate discussions. If I've got a gas guzzler and I'm going to save X number of dollars on my car by buying it, but it's a little bit more expensive, what's the break-even on your gas mileage savings?