 It puts them in a position where, quite frankly, they are having one of the absolute best retirement plans you can possibly have by, number one, putting yourself in a position to have access to your largest asset outside of your home. And I'm not saying your home should be your largest asset, but for most people it is. I'm not saying it should be. I personally wouldn't recommend it. It's kind of hard to get money out of your home, especially when you're living in it.