 And the tax isn't a penalty. There's a tax and a penalty both. But it's maybe a $10,000 or a $15,000 out of that $40,000 you're going to lose, but it's not 100%. So they don't take the whole thing. And rather than try to screw around with something for a 22-year-old, wait until they're 30, and these idiots in Washington change the law six times between now and then, no. I just cash it out, take my hit, and go on and go, hey, we paid for college.