 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.