 Yeah, that's exactly right. There's a few countries that have experimented with that, but we have that model here in the United States, right? It's a 401k versus like a defined benefit pension plan. Those pension plans are absolute dinosaurs. A lot of these unions are kind of over-promised and under-delivered, while people who are invested in 401ks have obviously been going gangbusters the last couple of decades. And so we have a sort of analogous model to look at.