 I'd have to get into, Cheryl, well, what are you contributing to retirement? Are those contributions, is there any sort of a match? What are the investment options in the retirement plan? What is the likely return on the retirement plan versus paying off debt? So, Cheryl, debt presumably has an interest rate attached to it, right, that you're paying. I think that, I mean, there are a lot of people out there right now that have mortgages between a 2% and 3% mortgage rate.