 And so the calculation is not as severe as it sounds. So let's say you end up pulling $40,000 out because we just got rid of $40,000 with the scholarship idea. You know, you might have $5,000 in taxes. It's 10%, yeah? Is that the rate? Yeah, on the growth. Yeah. Yeah. So I could, in essence, take that money out and use it, say, like for home improvements and things like that. Use it for anything if you pay the taxes on it. And there'll be the taxes and the penalty. There's a tax and a penalty for both of it.