 Mr. Market, the stock market, through appreciation in his 18, 19 years of life, is going to pay for two and a half years of the University of Colorado Boulder because of the market appreciation over his lifetime. And so set it up. I don't care how much you put in it. Just get it set up and start contributing to it monthly. It will make big dividends, huge dividends, in that the market will pay for a lot of this because school's not getting cheaper, right? And so this is a great thing you can do for yourself and for your kids. So what are the changes in the flexibility of the...