 So it's all about, again, it comes down to what we started the show with. It's all about control. Who's in control if you have plenty of money? You're in control. Who's in control if you have the proper plan with income? You're in control. It's not Wall Street's not in control. You're in control now. So when you have all your money in the 401k, Wall Street's still in control because you're at the mercy of Wall Street going up to make sure your retirement's still there. So nothing wrong with a 401k. Like we've always said, great vehicle to build wealth.