 You said 90,000. That's 3%, right? Yeah, they're generating over $100,000 a year today in interest, and they're not spending it all. So one, they're generating too much interest that they're paying taxes on. So they're spending money on money that they're not spending. And so we wanted to say, hey, let's continue to earn these kinds of rates of return, but let's make sure you're not paying taxes on any of the dollars that you're not actually going to spend. And then he was really concerned. He said, today,