 Same thing with the 32% bonus. So if you've got questions, you'd like to know more, you'd like to actually see a report with some real numbers applying to you. And we just kind of normally what I do, I just do a side by side. Hey, here's what it would look like if you went with the strategy that has a 47. Here's what it looks like if you go with the strategy that has a 32% bonus, which one makes the most sense for you based on your unique situation. So let's get right back to talking about something else that is very much involved with a unique situation.