 And you have to take that into account, right? So that's another mistake people end up making. Well, then a lot of people, too, are looking into this, Rajiv. And again, it was just asking the right question at the right time. A lot of people wonder, well, I've had my wife be the homemaker or vice versa. Exactly. And now they get half of Social Security because that was changed some years ago. Yes. And most people don't know about that. So, okay, Mark retires. Great. I get X amount. Karen's been a homemaker all these years. She gets half of what I take out at the time I decide, 62, 64, 65, 70, or whatever.