 Thank you so much, Mellie, for your question. I was just trying to formulate a follow-up question because maybe people don't understand that eventually Uncle Sam wants to get on your payroll. You saved in that 401K or IRA all those years. They want to tax you on that money. Isn't that essentially the deal? They want that money to tax. That's exactly right. It's been sitting there tax deferred, and they're going to get their money. Uncle Sam always gets paid.