 Right? All right. Well, what's the next assumption? The next assumption is when you pull it out, you'll be in a lower income tax bracket. The only way you'd be in a lower income tax bracket is if you make less than what you make. So you're 20-year-old, 25-year-old, 30-year-old, 35-year-old kid, and you're telling me that when you retire, you're going to be making less? You're going to take out less money than you make as a kid? Are you insane? It is assuming that you're going to be broke when you take the money out.