 I've heard that term. Yeah, they were eating the... And this was a new house, by the way. This was only a few years old. That sucker sprayed. Yeah, they had a crawl space, and they were like, we need to take out only $40,000. They're under 60 years old, so the only assets they had was their pre-tax account. Another reason to invest outside of your IRA and 401ks. Had to pay a 10% penalty, plus they're both making really good money. So they basically pay like 50% in tax.