 that doesn't have a 401k, you get automatically enrolled in an IRA. And then you can opt out, which many people do, but many people don't. And so the state of Illinois with this, you know, Illinois Saves or whatever it's called, they wind up, the state government down the road will have fewer expenses, you know, of having to care for people who haven't saved for retirement because they have these automatic savings plans. Thanks, Dan. Dan DeVizier, personal finance reporter at USA Today. 30 minutes after the hour on This Morning America.