 Or you could just do an immediate cut in benefits across the board, 10%, and maybe raise the rates a bit too. You've got to remember that 6.2%, that's not the Medicare portion, we'll leave that aside, but 6.2%, that has to be matched by your employer. Now, you don't know that, but it is. That's 12.4% of whatever you make every week goes into that. So why not raise it?