 I've had some people recently come in to see me at some of the larger manufacturing companies around here, and they have these pensions that they can keep with their former employer, and they'll get a static level income for the rest of their life. Now, here's the thing. If they take that same money, they may start out with maybe the first and second year. Maybe the income will be about the same or even slightly lower than what their employer is potentially offering them.