 And we look at, you're getting a pension, maybe from the VA or the military, whatever it might be. There's still old pensions out there that people get from the government. Lot of federal workers here in Charlotte that are getting pensions. And you have a 403 , a 401 , you have your IRAs, you have your retirement savings. And you see, Mark, some folks have Roth 401 . And so when we see those, we don't have to worry about taking taxes out. So that really helps boost things along. So you need less money because you're not worried about taxes.