 to a present value, and that's probably $66,000. So if you get $100,000 in your pocket now and invest that now with a good SmartVestor Pro, you're probably going to end up with more money. I might go back to him and say, I think I might be close to doing this if you go a little higher. And just see if he'd come on up to $100,500. Because he might. Because I think he's trying to get you distanced.