 10% free withdrawals in most cases, meaning if you put $200,000 in there beginning in the second year, you could take out $20,000 each year, but you haven't even turned on income. And so, again, these are really powerful strategies. It makes more sense when you see a report, and it's free. There's no charge. I will not charge you for that, but you do need to reach out to us, 910-583-4321, and leave us your email.