 to have a tax advantage strategy where you access that. And if you need $50,000, you take out $50,000. There's no tax bill. You don't get a letter from the IRS. You don't have to notify the IRS. You already paid taxes on the $50,000 that created it, the seed. And now that it's grown, I'm just using the number 50. It could be anything. It could be millions of dollars. Many folks have millions and millions of dollars that are tax-free because they paid the taxes on the seed and they let it grow.