 And if you're healthy, that's a high probability, actuarially speaking. And so $20 million is going to be taxable instead of $7.6. That's another reason I might go ahead and do it. So do it now. I'm not advising you to do that, but at this moment, that's starting to feel better than the other crap that we're all sitting here talking about. None of this feels good. It's a shame that a man works his whole life and