text:  that you can use that bonus to help get you out of a program that you're already in that you might not be very happy with. So I'll give you an example. I had a call from someone who had a program, still does, they haven't done anything yet, it's only been this past week. But they have a program, it's an older program, and there's about $62,000 in the program. And if they leave now, there's a 6% penalty.