text:  Oh, okay. It's not bad because here's the thing. The $36,000, we could just call it dollar for dollar, okay? There's a concept in money. Let me walk you through it. Here's what's going on in my head, okay? The concept in money, would you rather have $100,000 today or would you rather have $100,000 five years from now? Well, you'd rather have it today because of what you could earn on it during that five years. Agreed?