 And the tax isn't a penalty. There's a tax and a penalty both. But it's maybe a $10,000 or a $15,000 out of that $40,000 you're going to lose, but it's not 100%. So they don't take the whole thing. And rather than try to screw around with something for a 22-year-old, wait until they're 30, and these idiots in Washington change the law six times between now and then, no. I'll just cash it out, take my hit, and go on and go, hey, we paid for college, and we had a little leftover. Life's good. Yeah, I agree. There you go. Hey, good question.